<SEC-DOCUMENT>0000039263-16-000068.txt : 20160129
<SEC-HEADER>0000039263-16-000068.hdr.sgml : 20160129
<ACCEPTANCE-DATETIME>20160129123014
ACCESSION NUMBER:		0000039263-16-000068
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20151231
FILED AS OF DATE:		20160129
DATE AS OF CHANGE:		20160129
EFFECTIVENESS DATE:		20160129

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:		161372090

	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>12-31-2015</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>12-31-2015</reportCalendarOrQuarter>
      <filingManager>
        <name>CULLEN/FROST BANKERS, INC.</name>
        <address>
          <com:street1>Post Office Box 1600</com:street1>
          <com:city>SAN ANTONIO</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>78296-1600</com:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-00183</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Stan McCormick</name>
      <title>Corporate Secretary Sr. V.P.</title>
      <phone>210-220-4310</phone>
      <signature>Stan McCormick</signature>
      <city>San Antonio</city>
      <stateOrCountry>TX</stateOrCountry>
      <signatureDate>01-07-2016</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
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      <tableValueTotal>2648585</tableValueTotal>
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      <sshPrnamt>1836</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1836</Sole>
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      <None>0</None>
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    <cusip>03027X100</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN WTR WKS CO INC COM*</nameOfIssuer>
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    <cusip>030420103</cusip>
    <value>5051</value>
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      <sshPrnamt>84542</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>84017</Sole>
      <Shared>0</Shared>
      <None>525</None>
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    <nameOfIssuer>AMERICAN WTR WKS CO INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>030420103</cusip>
    <value>413</value>
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      <sshPrnamt>6920</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6920</Sole>
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      <None>0</None>
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    <cusip>03076C106</cusip>
    <value>1629</value>
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      <sshPrnamt>15309</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15309</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AMERIPRISE FINANCIAL INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03076C106</cusip>
    <value>319</value>
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      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AMGEN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>8389</value>
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      <sshPrnamt>51681</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50008</Sole>
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      <None>1673</None>
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  <infoTable>
    <nameOfIssuer>AMGEN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>1413</value>
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      <sshPrnamt>8706</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8706</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ANADARKO PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032511107</cusip>
    <value>1476</value>
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      <sshPrnamt>30381</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28531</Sole>
      <Shared>0</Shared>
      <None>1850</None>
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  <infoTable>
    <nameOfIssuer>ANADARKO PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032511107</cusip>
    <value>255</value>
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      <sshPrnamt>5258</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5258</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANALOG DEVICES INC COM</nameOfIssuer>
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    <cusip>032654105</cusip>
    <value>1826</value>
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      <sshPrnamt>33016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>33016</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANNALY CAPITAL MGMT INC REIT C</nameOfIssuer>
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    <cusip>035710409</cusip>
    <value>634</value>
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      <sshPrnamt>67635</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36888</Sole>
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      <None>30747</None>
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  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MGMT INC REIT C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>035710409</cusip>
    <value>22</value>
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      <sshPrnamt>2383</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2383</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>APPLE INC COM *</nameOfIssuer>
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    <cusip>037833100</cusip>
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      <sshPrnamt>544592</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>538753</Sole>
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      <None>5839</None>
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    <nameOfIssuer>APPLE INC COM *</nameOfIssuer>
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    <cusip>037833100</cusip>
    <value>6412</value>
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      <sshPrnamt>60915</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>60915</Sole>
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      <None>0</None>
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    <nameOfIssuer>APPLIED MATERIALS INC COM *</nameOfIssuer>
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    <cusip>038222105</cusip>
    <value>350</value>
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      <sshPrnamt>18727</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18727</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>APPLIED MATERIALS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>342</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AQUA AMERICA INC COM*</nameOfIssuer>
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    <cusip>03836W103</cusip>
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      <sshPrnamt>106540</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>105790</Sole>
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      <None>750</None>
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  <infoTable>
    <nameOfIssuer>AQUA AMERICA INC COM*</nameOfIssuer>
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    <cusip>03836W103</cusip>
    <value>524</value>
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      <sshPrnamt>17581</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17581</Sole>
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      <None>0</None>
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    <nameOfIssuer>AT &amp; T INC COM*</nameOfIssuer>
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    <cusip>00206R102</cusip>
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      <sshPrnamt>785899</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>680209</Sole>
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      <None>105690</None>
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  <infoTable>
    <nameOfIssuer>AT &amp; T INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>3981</value>
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      <sshPrnamt>115689</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>115558</Sole>
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      <None>0</None>
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    <nameOfIssuer>ATMOS ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>049560105</cusip>
    <value>1540</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24423</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>4047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47770</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47770</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>628</value>
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      <sshPrnamt>7417</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7417</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AZZ INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>002474104</cusip>
    <value>258</value>
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      <sshPrnamt>4636</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4636</Sole>
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      <None>0</None>
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    <nameOfIssuer>BAKER HUGHES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>057224107</cusip>
    <value>190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4125</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4125</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>057224107</cusip>
    <value>22</value>
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      <sshPrnamt>480</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>480</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP COM</nameOfIssuer>
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    <cusip>058498106</cusip>
    <value>815</value>
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      <sshPrnamt>11200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>4720</value>
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      <sshPrnamt>280454</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>280254</Sole>
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      <None>200</None>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>25</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1490</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OF NEW YORK MELLON CORP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>064058100</cusip>
    <value>2787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67617</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62196</Sole>
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      <None>5421</None>
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  <infoTable>
    <nameOfIssuer>BANK OF NEW YORK MELLON CORP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>064058100</cusip>
    <value>1269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30774</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30774</Sole>
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      <None>0</None>
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    <nameOfIssuer>BARD C. R. INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>067383109</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2421</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2421</Sole>
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      <None>0</None>
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    <nameOfIssuer>BAXALTA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>07177M103</cusip>
    <value>14874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>381094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>378194</Sole>
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      <None>2900</None>
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  <infoTable>
    <nameOfIssuer>BAXALTA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>07177M103</cusip>
    <value>792</value>
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      <sshPrnamt>20292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20292</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAXTER INTERNATIONAL INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>071813109</cusip>
    <value>1176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28927</Sole>
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      <None>1900</None>
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  <infoTable>
    <nameOfIssuer>BAXTER INTERNATIONAL INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>071813109</cusip>
    <value>187</value>
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      <sshPrnamt>4900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4900</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BB&amp;T CORP COM*</nameOfIssuer>
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    <value>1387</value>
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      <sshPrnamt>36673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35493</Sole>
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      <None>1180</None>
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  <infoTable>
    <nameOfIssuer>BB&amp;T CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <value>46</value>
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      <sshPrnamt>1210</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1210</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>075887109</cusip>
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      <sshPrnamt>79720</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>45580</sshPrnamt>
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    <votingAuthority>
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    <cusip>084670702</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>12298</Sole>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL</nameOfIssuer>
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    <cusip>084670108</cusip>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL</nameOfIssuer>
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    <cusip>084670108</cusip>
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      <None>0</None>
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    <votingAuthority>
      <Sole>50815</Sole>
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      <None>726</None>
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    <cusip>09062X103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4541</Sole>
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      <None>0</None>
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    <cusip>09247X101</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49791</Sole>
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      <None>175</None>
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    <nameOfIssuer>BLACKROCK INC COM*</nameOfIssuer>
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    <cusip>09247X101</cusip>
    <value>910</value>
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      <sshPrnamt>2671</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2671</Sole>
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      <None>0</None>
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    <cusip>097023105</cusip>
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      <sshPrnamt>283749</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>280830</Sole>
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      <None>2919</None>
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    <cusip>097023105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>BORGWARNER INC COM*</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>210194</Sole>
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      <None>5085</None>
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    <nameOfIssuer>BORGWARNER INC COM*</nameOfIssuer>
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    <cusip>099724106</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>33720</Sole>
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      <None>0</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM *</nameOfIssuer>
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    <cusip>110122108</cusip>
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    <votingAuthority>
      <Sole>307042</Sole>
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      <None>8941</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45122</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>124410</Sole>
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    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
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    <cusip>11133T103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>10077</Sole>
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    <nameOfIssuer>BROWN-FORMAN CORP CL B COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6608</Sole>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>286393</Sole>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>CARDINAL HEALTH INC COM*</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36671</Sole>
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      <None>870</None>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC COM *</nameOfIssuer>
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    <cusip>149123101</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>CELGENE CORP COM *</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>254255</Sole>
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      <None>8404</None>
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    <nameOfIssuer>CHEVRON CORPORATION COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27958</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC CL</nameOfIssuer>
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    <cusip>169656105</cusip>
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      <sshPrnamt>4790</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4790</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC CL</nameOfIssuer>
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    <cusip>169656105</cusip>
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      <sshPrnamt>352</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>352</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHUBB CORP COM*</nameOfIssuer>
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    <cusip>171232101</cusip>
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      <sshPrnamt>10103</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10103</Sole>
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    <nameOfIssuer>CHUBB CORP COM*</nameOfIssuer>
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    <cusip>171232101</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>415</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC COM*</nameOfIssuer>
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    <cusip>171340102</cusip>
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      <sshPrnamt>1730</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1580</Sole>
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      <None>150</None>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171340102</cusip>
    <value>76</value>
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      <sshPrnamt>900</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CIGNA CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>125509109</cusip>
    <value>351</value>
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      <sshPrnamt>2400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CINEMARK HOLDINGS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17243V102</cusip>
    <value>1151</value>
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      <sshPrnamt>34442</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>34442</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CINEMARK HOLDINGS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17243V102</cusip>
    <value>109</value>
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      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3250</Sole>
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      <None>0</None>
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    <nameOfIssuer>CIRRUS LOGIC INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>76791</Sole>
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      <None>0</None>
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    <nameOfIssuer>CITIGROUP INC COM*</nameOfIssuer>
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    <cusip>172967424</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>35531</Sole>
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      <None>0</None>
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      <Sole>5172</Sole>
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      <None>0</None>
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    <nameOfIssuer>CLOROX CO COM *</nameOfIssuer>
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      <None>2917</None>
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      <Sole>14997</Sole>
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    <nameOfIssuer>CME GROUP INC COM*</nameOfIssuer>
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    <cusip>12572Q105</cusip>
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    <votingAuthority>
      <Sole>5736</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC COM*</nameOfIssuer>
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    <cusip>12572Q105</cusip>
    <value>5</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>50</Sole>
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      <None>0</None>
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    <nameOfIssuer>COBALT INTL ENERGY COM*</nameOfIssuer>
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      <Sole>17500</Sole>
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      <None>0</None>
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      <Sole>339091</Sole>
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      <None>1950</None>
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      <Sole>31733</Sole>
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      <None>500</None>
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    <nameOfIssuer>COGNIZANT TECH SOLUTIONS CL A</nameOfIssuer>
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      <Sole>390376</Sole>
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      <None>1540</None>
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    <nameOfIssuer>COGNIZANT TECH SOLUTIONS CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>192446102</cusip>
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      <sshPrnamt>35752</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>35752</Sole>
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      <None>0</None>
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    <nameOfIssuer>COLGATE-PALMOLIVE CO COM*</nameOfIssuer>
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    <cusip>194162103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>71210</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COLGATE-PALMOLIVE CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9374</Sole>
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      <None>600</None>
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    <nameOfIssuer>COMCAST CORPORATION NEW CL A C</nameOfIssuer>
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    <cusip>20030N101</cusip>
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      <Sole>15128</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORPORATION NEW CL A C</nameOfIssuer>
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    <nameOfIssuer>COMERICA INC COM</nameOfIssuer>
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      <Sole>5900</Sole>
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    <nameOfIssuer>CONAGRA FOODS INC COM*</nameOfIssuer>
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    <cusip>205887102</cusip>
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    <votingAuthority>
      <Sole>19734</Sole>
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  <infoTable>
    <nameOfIssuer>CONAGRA FOODS INC COM*</nameOfIssuer>
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    <cusip>205887102</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3605</Sole>
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    <nameOfIssuer>CONOCOPHILLIPS COM*</nameOfIssuer>
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    <cusip>20825C104</cusip>
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    <votingAuthority>
      <Sole>71562</Sole>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS COM*</nameOfIssuer>
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    <cusip>20825C104</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>17533</Sole>
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    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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      <Sole>6056</Sole>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>482</Sole>
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    <nameOfIssuer>CORNING INC COM*</nameOfIssuer>
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    <cusip>219350105</cusip>
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      <Sole>1254688</Sole>
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    <nameOfIssuer>CORNING INC COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>61602</Sole>
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      <None>0</None>
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    <nameOfIssuer>COSTCO WHOLESALE CORP NEW COM*</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>155388</Sole>
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    <nameOfIssuer>COSTCO WHOLESALE CORP NEW COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>25043</Sole>
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      <None>0</None>
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      <Sole>386323</Sole>
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    <nameOfIssuer>CULLEN/FROST BANKERS INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>2716</Sole>
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    <nameOfIssuer>CUMMINS INC*</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>23742</Sole>
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      <None>460</None>
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    <nameOfIssuer>CUMMINS INC*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>CVS HEALTH CORP COM *</nameOfIssuer>
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    <cusip>126650100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>187433</Sole>
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    <nameOfIssuer>CVS HEALTH CORP COM *</nameOfIssuer>
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    <cusip>126650100</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>18592</Sole>
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  <infoTable>
    <nameOfIssuer>D R HORTON INC*</nameOfIssuer>
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    <cusip>23331A109</cusip>
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      <None>0</None>
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    <nameOfIssuer>DANAHER CORPORATION COM*</nameOfIssuer>
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    <cusip>235851102</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>123149</Sole>
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      <None>1250</None>
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  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION COM*</nameOfIssuer>
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    <cusip>235851102</cusip>
    <value>383</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3722</Sole>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>237194105</cusip>
    <value>108</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <votingAuthority>
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    <cusip>244199105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>DENBURY RESOURCES INC (HOLDING</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>DEVON ENERGY CORPORATION NEW C</nameOfIssuer>
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    <votingAuthority>
      <Sole>25888</Sole>
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      <None>0</None>
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    <cusip>254687106</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>333853</Sole>
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      <None>5142</None>
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    <cusip>254687106</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39985</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>135583</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>DOMINION RES INC VA NEW COM*</nameOfIssuer>
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    <nameOfIssuer>DOMINION RES INC VA NEW COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>DONALDSON INC COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>DOVER CORP COM *</nameOfIssuer>
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    <cusip>260003108</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>3029</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOW CHEMICAL CO COM *</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>248778</Sole>
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    <nameOfIssuer>DOW CHEMICAL CO COM *</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>32785</Sole>
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      <None>0</None>
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    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO CO</nameOfIssuer>
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    <cusip>263534109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>70418</Sole>
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  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO CO</nameOfIssuer>
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    <cusip>263534109</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>10701</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUKE ENERGY CORP COM*</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75249</Sole>
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      <None>5858</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP COM*</nameOfIssuer>
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    <cusip>26441C204</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31117</Sole>
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      <None>0</None>
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    <nameOfIssuer>E M C CORP MASSACHUSETTS COM *</nameOfIssuer>
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    <cusip>268648102</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>37992</Sole>
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  <infoTable>
    <nameOfIssuer>E M C CORP MASSACHUSETTS COM *</nameOfIssuer>
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    <cusip>268648102</cusip>
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      <sshPrnamt>10023</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>9323</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10422</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>100</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>548320</Sole>
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  <infoTable>
    <nameOfIssuer>EBAY INCORPORATED COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>53674</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>121</Sole>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>2950</Sole>
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    <nameOfIssuer>EDGEWELL PERSONAL CARE CO COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5907</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>56663</Sole>
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      <None>4199</None>
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    <nameOfIssuer>ELI LILLY &amp; CO COM *</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>92033</Sole>
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    <nameOfIssuer>EMERSON ELECTRIC CO COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>20893</Sole>
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    <nameOfIssuer>ENERGIZER HLDGS INC COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5907</Sole>
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      <None>0</None>
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    <cusip>26875P101</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25708</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1514</Sole>
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      <None>0</None>
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    <cusip>30040W108</cusip>
    <value>346</value>
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      <sshPrnamt>6766</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6766</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXELON CORP COM*</nameOfIssuer>
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    <cusip>30161N101</cusip>
    <value>352</value>
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      <sshPrnamt>12693</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12693</Sole>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <cusip>30219G108</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12362</Sole>
      <Shared>0</Shared>
      <None>1700</None>
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  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HLDG CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30219G108</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>584</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EXXON MOBIL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
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      <sshPrnamt>839045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>823172</Sole>
      <Shared>703</Shared>
      <None>15170</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>11709</value>
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      <sshPrnamt>150218</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>138229</Sole>
      <Shared>0</Shared>
      <None>11989</None>
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    <nameOfIssuer>FACEBOOK INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>36673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>346753</Sole>
      <Shared>0</Shared>
      <None>3653</None>
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  <infoTable>
    <nameOfIssuer>FACEBOOK INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>1882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17982</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FEDEX CORP COM*</nameOfIssuer>
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    <cusip>31428X106</cusip>
    <value>3551</value>
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      <sshPrnamt>23836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22262</Sole>
      <Shared>0</Shared>
      <None>1574</None>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31428X106</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FIRST NIAGARA FINL GROUP INC N</nameOfIssuer>
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    <cusip>33582V108</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FNF GROUP TRACKING STOCK*</nameOfIssuer>
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    <cusip>31620R303</cusip>
    <value>16152</value>
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      <sshPrnamt>465872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>463472</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FNF GROUP TRACKING STOCK*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31620R303</cusip>
    <value>612</value>
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      <sshPrnamt>17641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17641</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FORD MOTOR COMPANY COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>4725</value>
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      <sshPrnamt>335342</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>310436</Sole>
      <Shared>0</Shared>
      <None>24906</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MOTOR COMPANY COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>1735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>123170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORESTAR GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>346233109</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29940</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29940</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FREEPORT-MCMORAN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>35671D857</cusip>
    <value>237</value>
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      <sshPrnamt>35030</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35030</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>35671D857</cusip>
    <value>43</value>
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      <sshPrnamt>6282</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6282</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GENERAL DYNAMICS CORP COM*</nameOfIssuer>
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    <cusip>369550108</cusip>
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      <sshPrnamt>10259</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9759</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369550108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2599</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2599</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>45587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1463465</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1429509</Sole>
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      <None>33956</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>4713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>150715</Sole>
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      <None>600</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MILLS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>736</value>
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      <sshPrnamt>12757</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11757</Sole>
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      <None>1000</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MILLS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>879</value>
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      <sshPrnamt>15250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15250</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
    <value>21083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208348</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>205987</Sole>
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      <None>2361</None>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
    <value>2545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25152</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>384802104</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>384802104</cusip>
    <value>344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GUGGENHEIM S&amp;P 500 EQUAL WEIGH</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78355W106</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2711</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2711</Sole>
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      <None>0</None>
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    <nameOfIssuer>HALLIBURTON CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>406216101</cusip>
    <value>1829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53739</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53739</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>406216101</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6143</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6143</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HANESBRANDS INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>410345102</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9478</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>43300A104</cusip>
    <value>5825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>268986</Sole>
      <Shared>0</Shared>
      <None>3200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>43300A104</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10454</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOLLYFRONTIER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>436106108</cusip>
    <value>764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16814</Sole>
      <Shared>0</Shared>
      <None>2348</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>33212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>245787</Sole>
      <Shared>0</Shared>
      <None>5341</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>3849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28607</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>21057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203316</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>197316</Sole>
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      <None>6000</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>1138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40434L105</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5208</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40434L105</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5501</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUMANA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>444859102</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>444859102</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
    <value>2227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>173470</Sole>
      <Shared>0</Shared>
      <None>27905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
    <value>1267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>114572</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WORKS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WORKS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452327109</cusip>
    <value>1630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452327109</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>8001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>231553</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE, INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45866F104</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE, INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45866F104</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL BUSINESS MACHINES CORP CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>5876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40899</Sole>
      <Shared>0</Shared>
      <None>1800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL BUSINESS MACHINES CORP CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>1075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>461202103</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1423</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES COHEN AND STEERS REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287564</cusip>
    <value>37014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>372974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>372974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES COHEN AND STEERS REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287564</cusip>
    <value>4426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>44599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287507</cusip>
    <value>2372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287507</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P SMALL-CAP E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287804</cusip>
    <value>1120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P SMALL-CAP E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287804</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287200</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE TOTAL US BD MKT E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287226</cusip>
    <value>4481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41484</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE TOTAL US BD MKT E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287226</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL ENERGY ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287341</cusip>
    <value>4364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>155678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL ENERGY ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287341</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD H/Y CORP BON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288513</cusip>
    <value>893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD H/Y CORP BON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288513</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD INV GR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287242</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES JP MORGAN USD EMERGING</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288281</cusip>
    <value>1650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES JP MORGAN USD EMERGING</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288281</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287465</cusip>
    <value>18260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>310972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287465</cusip>
    <value>1592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKTS ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287234</cusip>
    <value>1386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42664</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKTS ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287234</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287499</cusip>
    <value>901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287614</cusip>
    <value>16740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>167679</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287614</cusip>
    <value>23760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>238845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287598</cusip>
    <value>24616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>251542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287598</cusip>
    <value>1699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287655</cusip>
    <value>2563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287655</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287648</cusip>
    <value>5961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287648</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287630</cusip>
    <value>4478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287630</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400 GROWTH</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287606</cusip>
    <value>1983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12321</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400 GROWTH</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287606</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287705</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3042</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287705</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287309</cusip>
    <value>990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287168</cusip>
    <value>13805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>183305</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287168</cusip>
    <value>790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287176</cusip>
    <value>2749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25068</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287176</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YR TREAS BD ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287457</cusip>
    <value>1722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YR TREAS BD ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287457</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 20+ YEAR TREASURY BOND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287432</cusip>
    <value>710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 7-10 YR TREAS BD ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287440</cusip>
    <value>492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>17219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>166276</Sole>
      <Shared>0</Shared>
      <None>1350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>3959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>38538</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CONTROLS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478366107</cusip>
    <value>2991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CONTROLS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478366107</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>15089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>215612</Sole>
      <Shared>0</Shared>
      <None>12905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>3091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46619</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>48203R104</cusip>
    <value>2775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>88207</Sole>
      <Shared>0</Shared>
      <None>12339</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>48203R104</cusip>
    <value>1685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>61038</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>1480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>6050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42322</Sole>
      <Shared>0</Shared>
      <None>5200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>3231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>216552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO COM (THE)*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>500754106</cusip>
    <value>5690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76573</Sole>
      <Shared>0</Shared>
      <None>1628</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO COM (THE)*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>500754106</cusip>
    <value>831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>2993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <votingAuthority>
      <Sole>2772</Sole>
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      <None>0</None>
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    <nameOfIssuer>LABORATORY CORP AMER HLDGS COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <value>3596</value>
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      <sshPrnamt>29083</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25443</Sole>
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      <None>3640</None>
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    <nameOfIssuer>LABORATORY CORP AMER HLDGS COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50540R409</cusip>
    <value>2226</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>LAM RESEARCH CORPORATION COM*</nameOfIssuer>
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    <cusip>512807108</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>135703</Sole>
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      <None>800</None>
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    <nameOfIssuer>LAM RESEARCH CORPORATION COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>512807108</cusip>
    <value>546</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6870</Sole>
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      <None>0</None>
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    <nameOfIssuer>LAS VEGAS SANDS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>517834107</cusip>
    <value>8086</value>
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      <sshPrnamt>184444</sshPrnamt>
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    <votingAuthority>
      <Sole>184444</Sole>
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      <None>0</None>
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    <nameOfIssuer>LAS VEGAS SANDS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>517834107</cusip>
    <value>230</value>
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      <sshPrnamt>5253</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5253</Sole>
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      <None>0</None>
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    <nameOfIssuer>LEGACY TEXAS FINANCIAL GROUP I</nameOfIssuer>
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    <cusip>52471Y106</cusip>
    <value>28416</value>
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      <sshPrnamt>1135729</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1135729</Sole>
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      <None>0</None>
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    <nameOfIssuer>LINCOLN ELECTRIC HOLDINGS INC</nameOfIssuer>
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    <cusip>533900106</cusip>
    <value>233</value>
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      <sshPrnamt>4496</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4496</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP COM *</nameOfIssuer>
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    <cusip>539830109</cusip>
    <value>1870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8611</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8611</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>107</value>
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      <sshPrnamt>492</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>492</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWES COS INC COM *</nameOfIssuer>
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    <cusip>548661107</cusip>
    <value>19700</value>
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      <sshPrnamt>259073</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>257173</Sole>
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      <None>1900</None>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC COM *</nameOfIssuer>
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    <cusip>548661107</cusip>
    <value>1206</value>
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      <sshPrnamt>15855</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15855</Sole>
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      <None>0</None>
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    <nameOfIssuer>LULULEMON ATHLETICA INC COM*</nameOfIssuer>
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    <cusip>550021109</cusip>
    <value>2153</value>
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      <sshPrnamt>41027</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36774</Sole>
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      <None>4253</None>
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    <nameOfIssuer>LULULEMON ATHLETICA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>550021109</cusip>
    <value>948</value>
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      <sshPrnamt>18067</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18067</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>56585A102</cusip>
    <value>319</value>
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      <sshPrnamt>6147</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6147</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>56585A102</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>848</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>848</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MARKET VECTORS AGRIBUSINESS ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57060U605</cusip>
    <value>1676</value>
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      <sshPrnamt>36045</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36045</Sole>
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      <None>0</None>
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    <nameOfIssuer>MASTERCARD INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57636Q104</cusip>
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      <sshPrnamt>173841</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>173341</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INC CL A COM*</nameOfIssuer>
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    <cusip>57636Q104</cusip>
    <value>1189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12209</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12209</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MAXIM INTEGRATED PRODUCTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57772K101</cusip>
    <value>10610</value>
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      <sshPrnamt>279218</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>276318</Sole>
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      <None>2900</None>
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  <infoTable>
    <nameOfIssuer>MAXIM INTEGRATED PRODUCTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57772K101</cusip>
    <value>447</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11757</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALD'S CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>8499</value>
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      <sshPrnamt>71941</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69441</Sole>
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      <None>2500</None>
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  <infoTable>
    <nameOfIssuer>MCDONALD'S CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
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      <sshPrnamt>9565</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9565</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCKESSON CORPORATION COM</nameOfIssuer>
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    <cusip>58155Q103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1264</sshPrnamt>
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    <votingAuthority>
      <Sole>1264</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC NEW COM*</nameOfIssuer>
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      <sshPrnamt>217726</sshPrnamt>
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    <nameOfIssuer>MERCK &amp; CO INC NEW COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>47070</Sole>
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      <None>0</None>
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    <nameOfIssuer>METLIFE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>3268</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>66057</Sole>
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      <None>1730</None>
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    <nameOfIssuer>METLIFE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>80</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>594918104</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>345403</Sole>
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      <None>6416</None>
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    <nameOfIssuer>MICROSOFT CORP COM*</nameOfIssuer>
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    <cusip>594918104</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>51214</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTL INC COM*</nameOfIssuer>
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    <cusip>609207105</cusip>
    <value>2513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56052</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>56052</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>609207105</cusip>
    <value>719</value>
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      <sshPrnamt>16043</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16043</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MONSANTO CO NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>61166W101</cusip>
    <value>1978</value>
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      <sshPrnamt>20077</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>20077</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONSANTO CO NEW COM*</nameOfIssuer>
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    <cusip>61166W101</cusip>
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      <sshPrnamt>3062</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3062</Sole>
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      <None>0</None>
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    <nameOfIssuer>MOODYS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>615369105</cusip>
    <value>9216</value>
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      <sshPrnamt>91849</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>90629</Sole>
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      <None>1220</None>
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  <infoTable>
    <nameOfIssuer>MOODYS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>615369105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>4540</Sole>
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      <None>0</None>
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    <nameOfIssuer>NASDAQ INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>631103108</cusip>
    <value>17360</value>
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      <sshPrnamt>298433</sshPrnamt>
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      <Sole>296633</Sole>
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      <None>1800</None>
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    <nameOfIssuer>NASDAQ INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>631103108</cusip>
    <value>1057</value>
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      <sshPrnamt>18176</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18176</Sole>
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  <infoTable>
    <nameOfIssuer>NATIONAL INSTRUMENTS CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>636518102</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NATIONAL INSTRUMENTS CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>636518102</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>64110L106</cusip>
    <value>368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>64110L106</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
    <value>4718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45288</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2609</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NIKE INC CLASS B *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>15449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>239818</Sole>
      <Shared>0</Shared>
      <None>7372</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC CLASS B *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>1837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655663102</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>3183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32787</Sole>
      <Shared>0</Shared>
      <None>4840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4522</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>1088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5761</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>O'REILLY AUTOMOTIVE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67103H107</cusip>
    <value>2533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>O'REILLY AUTOMOTIVE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67103H107</cusip>
    <value>125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>674599105</cusip>
    <value>17003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>248906</Sole>
      <Shared>0</Shared>
      <None>2584</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>674599105</cusip>
    <value>1619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23949</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>682680103</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40053</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693718108</cusip>
    <value>2041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43059</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693718108</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697435105</cusip>
    <value>7149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697435105</cusip>
    <value>181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>12105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>326032</Sole>
      <Shared>0</Shared>
      <None>8365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>1257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>19030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>186105</Sole>
      <Shared>0</Shared>
      <None>4350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>4213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>42166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>11266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>349011</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INT'L INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>6807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>77082</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INT'L INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>3027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66 COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718546104</cusip>
    <value>1605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18200</Sole>
      <Shared>0</Shared>
      <None>1424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66 COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718546104</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>1961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES DYNAMIC LG CAP VAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935X708</cusip>
    <value>4614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>158625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES DYNAMIC LG CAP VAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935X708</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES KBW HIGH DIVIDEND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q793</cusip>
    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9388</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES KBW HIGH DIVIDEND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q793</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935A104</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935A104</cusip>
    <value>170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES S&amp;P 500 BUYWRITE E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936G308</cusip>
    <value>595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29011</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES S&amp;P 500 BUYWRITE E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936G308</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>1395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>9771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>91881</Sole>
      <Shared>0</Shared>
      <None>7000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74005P104</cusip>
    <value>495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74005P104</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2131</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>2053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28722</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>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GROUP INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>741503403</cusip>
    <value>17518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13652</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GROUP INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>741503403</cusip>
    <value>637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>500</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>16515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>207969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>201634</Sole>
      <Shared>0</Shared>
      <None>6335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>742718109</cusip>
    <value>4074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>51300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>743606105</cusip>
    <value>4181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>87357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROU</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>744573106</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>2952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>755111507</cusip>
    <value>1360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>755111507</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>778296103</cusip>
    <value>861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16000</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>16745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>764613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>764613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>15064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>186195</Sole>
      <Shared>0</Shared>
      <None>5951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>2229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANDISK CORP*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>80004C101</cusip>
    <value>4677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53524</Sole>
      <Shared>0</Shared>
      <None>8020</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANDISK CORP*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>80004C101</cusip>
    <value>2765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>36383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHEIN HENRY INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806407102</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHEIN HENRY INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806407102</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>13608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>403208</Sole>
      <Shared>0</Shared>
      <None>10039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>1526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR CONS STAPLE</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3980</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>981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16258</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>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>400</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>1617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>67835</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>174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7300</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>329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6215</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>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3375</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>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6872</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>2387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32944</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD HLTH CAR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81762P102</cusip>
    <value>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN-WILLIAMS CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>824348106</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PROPERTY GROUP REIT NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>828806109</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1340</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>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>2388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>51036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLINES CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>844741108</cusip>
    <value>20276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>455016</Sole>
      <Shared>0</Shared>
      <None>15852</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLINES CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>844741108</cusip>
    <value>3912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>90843</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>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7190</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>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>410</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>6687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>129512</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>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1310</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>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10736</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>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES REIT ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A607</cusip>
    <value>895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES REIT ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A607</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463V107</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR METALS &amp; MINING ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A755</cusip>
    <value>723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR METALS &amp; MINING ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A755</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BARCLAYS CAP MUN B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A458</cusip>
    <value>1942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>79652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BARCLAYS CAP MUN B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A458</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BARCLAYS SH TM MUN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A425</cusip>
    <value>969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BARCLAYS SH TM MUN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A425</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P INTL SMALL CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463X871</cusip>
    <value>579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P INTL SMALL CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463X871</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P REGIONAL BANKING ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A698</cusip>
    <value>1880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>44856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P REGIONAL BANKING ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A698</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78462F103</cusip>
    <value>8010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>847560109</cusip>
    <value>1433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59350</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>847560109</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>848637104</cusip>
    <value>8406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>141699</Sole>
      <Shared>0</Shared>
      <None>1230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>848637104</cusip>
    <value>194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ST. JUDE MEDICAL INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>790849103</cusip>
    <value>418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6770</Sole>
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      <None>0</None>
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    <cusip>790849103</cusip>
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      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>854502101</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3104</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>STARBUCKS CORP COM*</nameOfIssuer>
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    <cusip>855244109</cusip>
    <value>30809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513221</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>511001</Sole>
      <Shared>0</Shared>
      <None>2220</None>
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    <nameOfIssuer>STARBUCKS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>1649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27463</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27463</Sole>
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      <None>0</None>
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    <nameOfIssuer>STRYKER CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>2739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29469</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>27869</Sole>
      <Shared>0</Shared>
      <None>1600</None>
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    <nameOfIssuer>STRYKER CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>60</value>
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      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORP COM*</nameOfIssuer>
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    <cusip>871829107</cusip>
    <value>1657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40412</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40412</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1008</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1008</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TARGET CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>24550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338107</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>332729</Sole>
      <Shared>0</Shared>
      <None>5378</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>2176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TEAM INCORPORATED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>878155100</cusip>
    <value>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8640</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXAS INSTRUMENTS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>3668</value>
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      <sshPrnamt>66927</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>66927</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRUMENTS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14159</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXTRON INC COM *</nameOfIssuer>
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    <cusip>883203101</cusip>
    <value>360</value>
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      <sshPrnamt>8580</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8580</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEXTRON INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883203101</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4870</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4870</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>THE HERSHEY COMPANY COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>427866108</cusip>
    <value>644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7217</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THE HERSHEY COMPANY COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>427866108</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>725</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1083</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>400</None>
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    <nameOfIssuer>TIME WARNER CABLE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88732J207</cusip>
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      <sshPrnamt>6785</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6785</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TIME WARNER CABLE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88732J207</cusip>
    <value>173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>931</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TIME WARNER INC COM NEW*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>887317303</cusip>
    <value>7882</value>
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      <sshPrnamt>121884</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>120984</Sole>
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      <None>900</None>
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  <infoTable>
    <nameOfIssuer>TIME WARNER INC COM NEW*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>887317303</cusip>
    <value>490</value>
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      <sshPrnamt>7577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7577</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO COM</nameOfIssuer>
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    <cusip>892356106</cusip>
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      <sshPrnamt>5464</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5464</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TRAVELERS COMPANIES INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
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      <sshPrnamt>24869</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24319</Sole>
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      <None>550</None>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>170</value>
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      <sshPrnamt>1505</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1505</Sole>
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      <None>0</None>
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    <nameOfIssuer>TWENTY-FIRST CENTURY FOX INC*</nameOfIssuer>
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    <cusip>90130A101</cusip>
    <value>10161</value>
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      <sshPrnamt>374128</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>364354</Sole>
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      <None>9774</None>
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  <infoTable>
    <nameOfIssuer>TWENTY-FIRST CENTURY FOX INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>90130A101</cusip>
    <value>1149</value>
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      <sshPrnamt>42319</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>42319</Sole>
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      <None>0</None>
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    <nameOfIssuer>UGI CORP COM</nameOfIssuer>
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    <cusip>902681105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNDER ARMOUR INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904311107</cusip>
    <value>2012</value>
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      <sshPrnamt>24960</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24960</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNDER ARMOUR INC CL A COM*</nameOfIssuer>
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    <cusip>904311107</cusip>
    <value>33</value>
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      <sshPrnamt>415</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>415</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNION PACIFIC CORP COM*</nameOfIssuer>
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    <cusip>907818108</cusip>
    <value>7917</value>
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      <sshPrnamt>101246</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100126</Sole>
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      <None>1120</None>
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  <infoTable>
    <nameOfIssuer>UNION PACIFIC CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>822</value>
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      <sshPrnamt>10514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10514</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED CONTINENTAL HLDGS INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>910047109</cusip>
    <value>24546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428374</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>420425</Sole>
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      <None>7949</None>
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  <infoTable>
    <nameOfIssuer>UNITED CONTINENTAL HLDGS INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>910047109</cusip>
    <value>2371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41378</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>41378</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNITED PARCEL SERVICE CLASS B*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>1560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16208</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16208</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE CLASS B*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>214</value>
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      <sshPrnamt>2220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2220</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM*</nameOfIssuer>
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    <cusip>913017109</cusip>
    <value>5878</value>
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      <sshPrnamt>61187</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>61187</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>913017109</cusip>
    <value>656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6826</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>2863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50328</Sole>
      <Shared>0</Shared>
      <None>16770</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>1079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>15867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>219816</Sole>
      <Shared>0</Shared>
      <None>4586</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL WORLD EX-US</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042775</cusip>
    <value>3959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>91210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL WORLD EX-US</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042775</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042858</cusip>
    <value>1484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042858</cusip>
    <value>642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EUROPEAN ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042874</cusip>
    <value>565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD GROWTH ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908736</cusip>
    <value>10173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95624</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD GROWTH ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908736</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2739</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD LARGE CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908637</cusip>
    <value>3658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MEGA CAP 300 ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>921910873</cusip>
    <value>596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908629</cusip>
    <value>17088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>142270</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908629</cusip>
    <value>692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5760</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908363</cusip>
    <value>13549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72481</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>72481</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHORT-TERM BOND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>921937827</cusip>
    <value>1650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20741</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHORT-TERM BOND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>921937827</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908595</cusip>
    <value>19531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160828</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>158088</Sole>
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      <None>2740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908595</cusip>
    <value>4951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40772</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL-CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908751</cusip>
    <value>13004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117533</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>117533</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL-CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908751</cusip>
    <value>1379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12462</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12462</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908769</cusip>
    <value>571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5471</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5471</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908769</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908744</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1699</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1699</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908744</cusip>
    <value>3528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43283</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43283</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92343V104</cusip>
    <value>12739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275610</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>266926</Sole>
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      <None>8684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49622</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>49622</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92532F100</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1758</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92826C839</cusip>
    <value>28624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>363962</Sole>
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      <None>5144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92826C839</cusip>
    <value>3108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40079</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAL MART STORES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931142103</cusip>
    <value>6082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95211</Sole>
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      <None>4001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAL MART STORES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931142103</cusip>
    <value>1703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931427108</cusip>
    <value>10524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123591</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>118659</Sole>
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      <None>4932</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931427108</cusip>
    <value>2002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23109</Sole>
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      <None>400</None>
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    <nameOfIssuer>WASTE CONNECTIONS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>941053100</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2104</Sole>
      <Shared>0</Shared>
      <None>2250</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WASTE MANAGEMENT DEL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106L109</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WASTE MANAGEMENT DEL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106L109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92939U106</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WELLS FARGO &amp; CO NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>949746101</cusip>
    <value>26450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>486568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>479546</Sole>
      <Shared>0</Shared>
      <None>7022</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>949746101</cusip>
    <value>2752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WESTERN UNION CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>959802109</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WESTERN UNION CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>959802109</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WGL HOLDINGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92924F106</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>963320106</cusip>
    <value>17705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>119778</Sole>
      <Shared>0</Shared>
      <None>770</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>963320106</cusip>
    <value>724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WHITEWAVE FOODS CO COM CL A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966244105</cusip>
    <value>7080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>171908</Sole>
      <Shared>0</Shared>
      <None>10053</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHITEWAVE FOODS CO COM CL A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966244105</cusip>
    <value>1574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHOLE FOODS MARKET INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966837106</cusip>
    <value>895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHOLE FOODS MARKET INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966837106</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE AUSTRALIA &amp; NEW ZLA</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>97717W216</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19610</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WORKDAY INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>8514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>105496</Sole>
      <Shared>0</Shared>
      <None>1360</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM WORLDWIDE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98310W108</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM! BRANDS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>988498101</cusip>
    <value>3762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>51495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM! BRANDS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>988498101</cusip>
    <value>447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HLDGS INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98956P102</cusip>
    <value>406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HLDGS INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98956P102</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>12436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>248713</Sole>
      <Shared>0</Shared>
      <None>10808</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>2437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>4535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>2269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC CLASS A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC CLASS A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HOLDING LTD SPON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>01609W102</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLERGAN PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>14128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLERGAN PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARM HLDGS PLC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>042068106</cusip>
    <value>1298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28355</Sole>
      <Shared>0</Shared>
      <None>338</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARM HLDGS PLC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>042068106</cusip>
    <value>846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18696</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAIDU INC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>056752108</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1405</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAIDU INC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>056752108</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANRO CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>066800103</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>450000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>067901108</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>64700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>067901108</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05534B760</cusip>
    <value>2262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58580</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58580</Sole>
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      <None>0</None>
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    <nameOfIssuer>BCE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05534B760</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BHP BILLITON LTD-SPON ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>088606108</cusip>
    <value>94</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2646</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BHP BILLITON LTD-SPON ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>088606108</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BP PLC SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>2021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62458</Sole>
      <Shared>0</Shared>
      <None>2200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CANADIAN NATIONAL RAILWAY CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>136375102</cusip>
    <value>344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CANADIAN NATIONAL RAILWAY CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>136375102</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC RAILWAY LTD C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>13645T100</cusip>
    <value>7181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55750</Sole>
      <Shared>0</Shared>
      <None>530</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC RAILWAY LTD C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>13645T100</cusip>
    <value>726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP PAIRED CTF 1 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>22417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>409026</Sole>
      <Shared>0</Shared>
      <None>2450</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP PAIRED CTF 1 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>1240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G29183103</cusip>
    <value>14686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>280710</Sole>
      <Shared>0</Shared>
      <None>1500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G29183103</cusip>
    <value>700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13452</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELDORADO GOLD CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>284902103</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENSCO PLC CL A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G3157S106</cusip>
    <value>781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49595</Sole>
      <Shared>0</Shared>
      <None>1175</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENSCO PLC CL A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G3157S106</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1066</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ERICSSON AMERICAN DEPOSITARY S</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>294821608</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>27260</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ERICSSON AMERICAN DEPOSITARY S</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>294821608</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLAXOSMITHKLINE PLC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7277</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INGERSOLL-RAND PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G47791101</cusip>
    <value>329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5956</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO LTD*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>1290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6014</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>18963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>243098</Sole>
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      <None>3434</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9506</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NIELSEN HLDGS PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>18362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>391878</Sole>
      <Shared>0</Shared>
      <None>2150</None>
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  <infoTable>
    <nameOfIssuer>NIELSEN HLDGS PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>1071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22975</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NOKIA CORP SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654902204</cusip>
    <value>4455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>634665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>634665</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOKIA CORP SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654902204</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14720</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NOVARTIS AG ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>24671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>282235</Sole>
      <Shared>0</Shared>
      <None>4500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>1518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17638</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3082</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAN AMERICAN SILVER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697900108</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POTASH CORP SASK INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73755L107</cusip>
    <value>525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30659</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POTASH CORP SASK INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73755L107</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4600</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>199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6832</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RIO TINTO PLC SPON ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>767204100</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3575</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>2239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43213</Sole>
      <Shared>0</Shared>
      <None>5691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6157</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>80105N105</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>80105N105</cusip>
    <value>123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP AG SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>803054204</cusip>
    <value>375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LIMITED COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806857108</cusip>
    <value>34214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>189561</Sole>
      <Shared>296892</Shared>
      <None>4075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LIMITED COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806857108</cusip>
    <value>2469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>35096</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEADRILL LTD*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48873</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEADRILL LTD*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1015</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>607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9177</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>881624209</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1078</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>1578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35109</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>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTRA PETROLEUM CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>903914109</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <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>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904767704</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92857W308</cusip>
    <value>658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17683</Sole>
      <Shared>0</Shared>
      <None>2726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92857W308</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY ALL-STAR EQUITY FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>530158104</cusip>
    <value>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUNICIPAL VALUE FUND</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>670928100</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <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>161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK STONE MINERALS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09225M101</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7901</Sole>
      <Shared>0</Shared>
      <None>7351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK STONE MINERALS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09225M101</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUCKEYE PARTNERS L P UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>118230101</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUCKEYE PARTNERS L P UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>118230101</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY PARTNERS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>16411Q101</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE ENERGY PARTNERS L P</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29250R106</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21090</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE ENERGY PARTNERS L P</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29250R106</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <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>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP*</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29273R109</cusip>
    <value>2789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>82674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP*</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29273R109</cusip>
    <value>686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>293792107</cusip>
    <value>2194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>85782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>293792107</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLY ENERGY PARTNERS L P</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>435763107</cusip>
    <value>774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20840</Sole>
      <Shared>0</Shared>
      <None>4000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD CL A COM*</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G54050102</cusip>
    <value>11579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>257251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD CL A COM*</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G54050102</cusip>
    <value>653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14518</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>559080106</cusip>
    <value>963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67058H102</cusip>
    <value>329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR GP HOLDINGS LLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67059L102</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>726503105</cusip>
    <value>3744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>161080</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>726503105</cusip>
    <value>561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>24304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNOCO LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>86765K109</cusip>
    <value>515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN GAS PARTNERS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>958254104</cusip>
    <value>839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17647</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
