<SEC-DOCUMENT>0001140361-15-039924.txt : 20151110
<SEC-HEADER>0001140361-15-039924.hdr.sgml : 20151110
<ACCEPTANCE-DATETIME>20151106104432
ACCESSION NUMBER:		0001140361-15-039924
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20150930
FILED AS OF DATE:		20151106
DATE AS OF CHANGE:		20151106
EFFECTIVENESS DATE:		20151106

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PINNACLE FINANCIAL PARTNERS INC
		CENTRAL INDEX KEY:			0001115055
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				621812853
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-12761
		FILM NUMBER:		151202959

	BUSINESS ADDRESS:	
		STREET 1:		150 THIRD AVENUE SOUTH
		STREET 2:		SUITE 900
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37201
		BUSINESS PHONE:		6157443700

	MAIL ADDRESS:	
		STREET 1:		150 THIRD AVENUE SOUTH
		STREET 2:		SUITE 900
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37201
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0001115055</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2015</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2015</reportCalendarOrQuarter>
      <filingManager>
        <name>PINNACLE FINANCIAL PARTNERS INC</name>
        <address>
          <com:street1>150 THIRD AVENUE SOUTH</com:street1>
          <com:street2>SUITE 900</com:street2>
          <com:city>NASHVILLE</com:city>
          <com:stateOrCountry>TN</com:stateOrCountry>
          <com:zipCode>37201</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-12761</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Harold R. Carpenter</name>
      <title>Chief Financial Officer</title>
      <phone>615-744-3700</phone>
      <signature>Harold R. Carpenter</signature>
      <city>Nasvhille</city>
      <stateOrCountry>TN</stateOrCountry>
      <signatureDate>11-06-2015</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>364</tableEntryTotal>
      <tableValueTotal>318117</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>form13fInfoTable.xml
<TEXT>
<XML>
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			<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>002824100</cusip>
			<value>282</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6225</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6225</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>002824100</cusip>
			<value>257</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6317</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6317</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>419</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7729</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7729</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>2510</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46144</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>45593</Sole>
				<Shared>0</Shared>
				<None>551</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AFLAC INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>001055102</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AFLAC INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3451</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AKAMAI TECHNOLOGIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00971T101</cusip>
			<value>435</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6305</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6305</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPS ETF TR</nameOfIssuer>
			<titleOfClass>ALERIAN MLP</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>44</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3502</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3502</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPS ETF TR</nameOfIssuer>
			<titleOfClass>ALERIAN MLP</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>1957</value>
			<shrsOrPrnAmt>
				<sshPrnamt>156781</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>151691</Sole>
				<Shared>0</Shared>
				<None>5090</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>02209S103</cusip>
			<value>47</value>
			<shrsOrPrnAmt>
				<sshPrnamt>870</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>870</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>02209S103</cusip>
			<value>1716</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31540</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29854</Sole>
				<Shared>0</Shared>
				<None>1686</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023135106</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>182</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023135106</cusip>
			<value>6031</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11781</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10962</Sole>
				<Shared>0</Shared>
				<None>819</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN EAGLE OUTFITTERS NE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>02553E106</cusip>
			<value>213</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13605</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13605</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>025537101</cusip>
			<value>30</value>
			<shrsOrPrnAmt>
				<sshPrnamt>526</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>526</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>025537101</cusip>
			<value>915</value>
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				<sshPrnamt>16098</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15356</Sole>
				<Shared>0</Shared>
				<None>742</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>025816109</cusip>
			<value>442</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5963</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>025816109</cusip>
			<value>2974</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40128</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37011</Sole>
				<Shared>0</Shared>
				<None>3117</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03027X100</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>323</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>323</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03027X100</cusip>
			<value>2948</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33508</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30475</Sole>
				<Shared>0</Shared>
				<None>3033</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMETEK INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>031100100</cusip>
			<value>2302</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>44000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>031162100</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>202</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>202</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>031162100</cusip>
			<value>2834</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20492</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18551</Sole>
				<Shared>0</Shared>
				<None>1941</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APACHE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037411105</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>52</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>52</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037833100</cusip>
			<value>186</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1682</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1682</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037833100</cusip>
			<value>7426</value>
			<shrsOrPrnAmt>
				<sshPrnamt>67322</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>63634</Sole>
				<Shared>0</Shared>
				<None>3688</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>046353108</cusip>
			<value>65</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2036</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2036</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>046353108</cusip>
			<value>1130</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35497</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>35029</Sole>
				<Shared>0</Shared>
				<None>468</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00206R102</cusip>
			<value>535</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16246</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>16246</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00206R102</cusip>
			<value>3745</value>
			<shrsOrPrnAmt>
				<sshPrnamt>114756</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>112788</Sole>
				<Shared>0</Shared>
				<None>1968</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>049560105</cusip>
			<value>1020</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17525</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17525</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AVAGO TECHNOLOGIES LTD</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>Y0486S104</cusip>
			<value>371</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2970</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AVALONBAY CMNTYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053484101</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AVALONBAY CMNTYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053484101</cusip>
			<value>362</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2070</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2070</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>063671101</cusip>
			<value>41</value>
			<shrsOrPrnAmt>
				<sshPrnamt>751</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>751</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>063671101</cusip>
			<value>971</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17784</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17473</Sole>
				<Shared>0</Shared>
				<None>311</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BARCLAYS BANK PLC</nameOfIssuer>
			<titleOfClass>SP ADR 7.1%PF3</titleOfClass>
			<cusip>06739H776</cusip>
			<value>205</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>071813109</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>92</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>92</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>071813109</cusip>
			<value>363</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11037</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9382</Sole>
				<Shared>0</Shared>
				<None>1655</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>075887109</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>40</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL B NEW</titleOfClass>
			<cusip>084670702</cusip>
			<value>448</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3436</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2636</Sole>
				<Shared>0</Shared>
				<None>800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09247X101</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>605</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>575</Sole>
				<Shared>0</Shared>
				<None>30</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BLACKSTONE GROUP L P</nameOfIssuer>
			<titleOfClass>COM UNIT LTD</titleOfClass>
			<cusip>09253U108</cusip>
			<value>410</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12940</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12940</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>097023105</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>103</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>103</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>097023105</cusip>
			<value>720</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5497</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5497</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>055622104</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>414</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>414</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>055622104</cusip>
			<value>475</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15539</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15137</Sole>
				<Shared>0</Shared>
				<None>402</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>110122108</cusip>
			<value>282</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4185</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4185</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>110122108</cusip>
			<value>1182</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19878</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19428</Sole>
				<Shared>0</Shared>
				<None>450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BROOKFIELD HIGH INCOME FD IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>11272P102</cusip>
			<value>1</value>
			<shrsOrPrnAmt>
				<sshPrnamt>135</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>135</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BUFFALO WILD WINGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>119848109</cusip>
			<value>289</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1495</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1495</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>12673P105</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>319</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>319</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>12673P105</cusip>
			<value>313</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11495</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11220</Sole>
				<Shared>0</Shared>
				<None>275</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>14040H105</cusip>
			<value>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>507</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>507</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>14040H105</cusip>
			<value>2732</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37671</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34799</Sole>
				<Shared>0</Shared>
				<None>2872</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CATERPILLAR INC DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>149123101</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CATERPILLAR INC DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>149123101</cusip>
			<value>644</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9855</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9855</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CAVIUM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>14964U108</cusip>
			<value>245</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CDN IMPERIAL BK COMM TORONTO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>136069101</cusip>
			<value>21</value>
			<shrsOrPrnAmt>
				<sshPrnamt>289</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>289</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CDN IMPERIAL BK COMM TORONTO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>136069101</cusip>
			<value>1015</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14117</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13858</Sole>
				<Shared>0</Shared>
				<None>259</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CELGENE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>151020104</cusip>
			<value>521</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4814</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4814</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CERNER CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>156782104</cusip>
			<value>253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4220</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>166764100</cusip>
			<value>234</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2683</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2683</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>166764100</cusip>
			<value>2009</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25137</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24878</Sole>
				<Shared>0</Shared>
				<None>259</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>169656105</cusip>
			<value>441</value>
			<shrsOrPrnAmt>
				<sshPrnamt>612</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>612</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>171232101</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>433</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>433</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHUBB CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>171232101</cusip>
			<value>2202</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17954</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16546</Sole>
				<Shared>0</Shared>
				<None>1408</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>17275R102</cusip>
			<value>102</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>17275R102</cusip>
			<value>800</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29774</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28389</Sole>
				<Shared>0</Shared>
				<None>1385</None>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>172967424</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>291</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>291</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>172967424</cusip>
			<value>1349</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27189</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22812</Sole>
				<Shared>0</Shared>
				<None>4377</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>191216100</cusip>
			<value>547</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12834</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6046</Sole>
				<Shared>0</Shared>
				<None>6788</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>191216100</cusip>
			<value>2988</value>
			<shrsOrPrnAmt>
				<sshPrnamt>74318</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>73344</Sole>
				<Shared>0</Shared>
				<None>974</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>194162103</cusip>
			<value>30</value>
			<shrsOrPrnAmt>
				<sshPrnamt>472</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>472</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>194162103</cusip>
			<value>1125</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17737</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15809</Sole>
				<Shared>0</Shared>
				<None>1928</None>
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		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>20825C104</cusip>
			<value>70</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1463</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1463</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>20825C104</cusip>
			<value>2672</value>
			<shrsOrPrnAmt>
				<sshPrnamt>55726</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>51909</Sole>
				<Shared>0</Shared>
				<None>3817</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CORESITE RLTY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>21870Q105</cusip>
			<value>250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4860</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4860</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22160K105</cusip>
			<value>31</value>
			<shrsOrPrnAmt>
				<sshPrnamt>215</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>215</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22160K105</cusip>
			<value>1258</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8699</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7894</Sole>
				<Shared>0</Shared>
				<None>805</None>
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		<infoTable>
			<nameOfIssuer>CRACKER BARREL OLD CTRY STOR</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22410J106</cusip>
			<value>1229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8343</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8343</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126408103</cusip>
			<value>1111</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41312</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>41312</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126650100</cusip>
			<value>239</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2319</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2319</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126650100</cusip>
			<value>3533</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36619</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33833</Sole>
				<Shared>0</Shared>
				<None>2786</None>
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		<infoTable>
			<nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>243537107</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>909</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>909</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>244199105</cusip>
			<value>39</value>
			<shrsOrPrnAmt>
				<sshPrnamt>531</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>531</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>244199105</cusip>
			<value>844</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11398</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10319</Sole>
				<Shared>0</Shared>
				<None>1079</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>DIAMOND OFFSHORE DRILLING IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>25271C102</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DIAMOND OFFSHORE DRILLING IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>25271C102</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13052</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12970</Sole>
				<Shared>0</Shared>
				<None>82</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COM DISNEY</titleOfClass>
			<cusip>254687106</cusip>
			<value>401</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3538</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3538</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COM DISNEY</titleOfClass>
			<cusip>254687106</cusip>
			<value>3252</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31778</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28216</Sole>
				<Shared>0</Shared>
				<None>3562</None>
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		<infoTable>
			<nameOfIssuer>DOMINION RES INC VA NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>25746U109</cusip>
			<value>65</value>
			<shrsOrPrnAmt>
				<sshPrnamt>910</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>910</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION RES INC VA NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>25746U109</cusip>
			<value>545</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7717</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7607</Sole>
				<Shared>0</Shared>
				<None>110</None>
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		<infoTable>
			<nameOfIssuer>DOUBLELINE OPPORTUNISTIC CR</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>258623107</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>378</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>378</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DR PEPPER SNAPPLE GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>26138E109</cusip>
			<value>27</value>
			<shrsOrPrnAmt>
				<sshPrnamt>340</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>340</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DR PEPPER SNAPPLE GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>26138E109</cusip>
			<value>1477</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18693</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16334</Sole>
				<Shared>0</Shared>
				<None>2359</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>D R HORTON INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>23331A109</cusip>
			<value>364</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12410</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12410</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>263534109</cusip>
			<value>19</value>
			<shrsOrPrnAmt>
				<sshPrnamt>398</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>398</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>263534109</cusip>
			<value>1128</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23420</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>23119</Sole>
				<Shared>0</Shared>
				<None>301</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>26441C204</cusip>
			<value>59</value>
			<shrsOrPrnAmt>
				<sshPrnamt>814</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>814</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>26441C204</cusip>
			<value>1639</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22782</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22417</Sole>
				<Shared>0</Shared>
				<None>365</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E M C CORP MASS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>268648102</cusip>
			<value>42</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1729</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1729</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>E M C CORP MASS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>268648102</cusip>
			<value>2742</value>
			<shrsOrPrnAmt>
				<sshPrnamt>113493</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>104026</Sole>
				<Shared>0</Shared>
				<None>9467</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G29183103</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>308</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>308</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G29183103</cusip>
			<value>560</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10922</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10512</Sole>
				<Shared>0</Shared>
				<None>410</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EBAY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>278642103</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>350</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EBAY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>278642103</cusip>
			<value>434</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17755</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17755</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>278865100</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>182</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>182</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>278865100</cusip>
			<value>962</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8770</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7825</Sole>
				<Shared>0</Shared>
				<None>945</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENSCO PLC</nameOfIssuer>
			<titleOfClass>SHS CLASS A</titleOfClass>
			<cusip>G3157S106</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>587</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>587</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENSCO PLC</nameOfIssuer>
			<titleOfClass>SHS CLASS A</titleOfClass>
			<cusip>G3157S106</cusip>
			<value>728</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51687</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>45134</Sole>
				<Shared>0</Shared>
				<None>6553</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EPAM SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>29414B104</cusip>
			<value>298</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>291011104</cusip>
			<value>85</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>291011104</cusip>
			<value>156</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3305</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3110</Sole>
				<Shared>0</Shared>
				<None>195</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ESSENT GROUP LTD</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>G3198U102</cusip>
			<value>204</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8220</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HLDG CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>30219G108</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXPRESS SCRIPTS HLDG CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>30219G108</cusip>
			<value>1106</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13664</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13664</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>30231G102</cusip>
			<value>1130</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13753</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11773</Sole>
				<Shared>0</Shared>
				<None>1980</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>30231G102</cusip>
			<value>5265</value>
			<shrsOrPrnAmt>
				<sshPrnamt>70726</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>68351</Sole>
				<Shared>0</Shared>
				<None>2375</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>30303M102</cusip>
			<value>528</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5870</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5870</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>339041105</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1670</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1670</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>343412102</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>425</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>425</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>343412102</cusip>
			<value>1474</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34818</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>31933</Sole>
				<Shared>0</Shared>
				<None>2885</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
			<titleOfClass>COM PAR $0.01</titleOfClass>
			<cusip>345370860</cusip>
			<value>165</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10565</Sole>
				<Shared>0</Shared>
				<None>655</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
			<titleOfClass>CL B NEW</titleOfClass>
			<cusip>35671D857</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>649</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>649</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
			<titleOfClass>CL B NEW</titleOfClass>
			<cusip>35671D857</cusip>
			<value>551</value>
			<shrsOrPrnAmt>
				<sshPrnamt>56943</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>50947</Sole>
				<Shared>0</Shared>
				<None>5996</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GAMESTOP CORP NEW</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>36467W109</cusip>
			<value>236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5730</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5730</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GARMIN LTD</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>H2906T109</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>480</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>480</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GARMIN LTD</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>H2906T109</cusip>
			<value>482</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13437</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13063</Sole>
				<Shared>0</Shared>
				<None>374</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GARTNER INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>366651107</cusip>
			<value>222</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2640</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2640</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>369604103</cusip>
			<value>444</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15630</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>15630</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>369604103</cusip>
			<value>5486</value>
			<shrsOrPrnAmt>
				<sshPrnamt>215831</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>206050</Sole>
				<Shared>0</Shared>
				<None>9781</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENTHERM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>37253A103</cusip>
			<value>206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4595</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4595</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>372460105</cusip>
			<value>54</value>
			<shrsOrPrnAmt>
				<sshPrnamt>651</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>651</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>372460105</cusip>
			<value>1284</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15490</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15254</Sole>
				<Shared>0</Shared>
				<None>236</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>375558103</cusip>
			<value>47</value>
			<shrsOrPrnAmt>
				<sshPrnamt>474</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>474</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>375558103</cusip>
			<value>3756</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34481</Sole>
				<Shared>0</Shared>
				<None>3769</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>38259P508</cusip>
			<value>71</value>
			<shrsOrPrnAmt>
				<sshPrnamt>112</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>112</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>38259P508</cusip>
			<value>3904</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6117</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5723</Sole>
				<Shared>0</Shared>
				<None>394</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>CL C</titleOfClass>
			<cusip>38259P706</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOOGLE INC</nameOfIssuer>
			<titleOfClass>CL C</titleOfClass>
			<cusip>38259P706</cusip>
			<value>1521</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2501</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2199</Sole>
				<Shared>0</Shared>
				<None>302</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOVERNMENT PPTYS INCOME TR</nameOfIssuer>
			<titleOfClass>COM SHS BEN INT</titleOfClass>
			<cusip>38376A103</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GOVERNMENT PPTYS INCOME TR</nameOfIssuer>
			<titleOfClass>COM SHS BEN INT</titleOfClass>
			<cusip>38376A103</cusip>
			<value>220</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13746</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13746</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>406216101</cusip>
			<value>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1048</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1048</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>406216101</cusip>
			<value>1174</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>28841</Sole>
				<Shared>0</Shared>
				<None>4359</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HCA HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>40412C101</cusip>
			<value>30</value>
			<shrsOrPrnAmt>
				<sshPrnamt>387</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>387</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HCA HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>40412C101</cusip>
			<value>5227</value>
			<shrsOrPrnAmt>
				<sshPrnamt>67574</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>62460</Sole>
				<Shared>0</Shared>
				<None>5114</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HEALTHSTREAM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>42222N103</cusip>
			<value>1814</value>
			<shrsOrPrnAmt>
				<sshPrnamt>83181</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>83181</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>437076102</cusip>
			<value>325</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2635</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2635</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>437076102</cusip>
			<value>545</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4690</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4690</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>438516106</cusip>
			<value>66</value>
			<shrsOrPrnAmt>
				<sshPrnamt>698</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>698</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>438516106</cusip>
			<value>3905</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41237</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>38530</Sole>
				<Shared>0</Shared>
				<None>2707</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HORMEL FOODS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>440452100</cusip>
			<value>549</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ICON PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G4705A100</cusip>
			<value>251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3541</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3541</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>512</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15492</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>15492</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>4048</value>
			<shrsOrPrnAmt>
				<sshPrnamt>133505</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>128168</Sole>
				<Shared>0</Shared>
				<None>5337</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>313</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>313</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>3075</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21207</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19803</Sole>
				<Shared>0</Shared>
				<None>1404</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>MSCI BRZ CAP ETF</titleOfClass>
			<cusip>464286400</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>128</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>128</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SELECT DIVID ETF</titleOfClass>
			<cusip>464287168</cusip>
			<value>30</value>
			<shrsOrPrnAmt>
				<sshPrnamt>409</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>409</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SELECT DIVID ETF</titleOfClass>
			<cusip>464287168</cusip>
			<value>1107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15205</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15205</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<cusip>464287200</cusip>
			<value>405</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2103</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2103</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>MSCI EMG MKT ETF</titleOfClass>
			<cusip>464287234</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>250</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>MSCI EMG MKT ETF</titleOfClass>
			<cusip>464287234</cusip>
			<value>2375</value>
			<shrsOrPrnAmt>
				<sshPrnamt>72444</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>67416</Sole>
				<Shared>0</Shared>
				<None>5028</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
			<cusip>464287309</cusip>
			<value>752</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6977</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6977</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
			<cusip>464287408</cusip>
			<value>675</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8031</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8031</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>MSCI EAFE ETF</titleOfClass>
			<cusip>464287465</cusip>
			<value>309</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5389</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5389</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>MSCI EAFE ETF</titleOfClass>
			<cusip>464287465</cusip>
			<value>7652</value>
			<shrsOrPrnAmt>
				<sshPrnamt>133491</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>129061</Sole>
				<Shared>0</Shared>
				<None>4430</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>RUS MD CP GR ETF</titleOfClass>
			<cusip>464287481</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>284</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>284</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>RUS MD CP GR ETF</titleOfClass>
			<cusip>464287481</cusip>
			<value>424</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4781</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4781</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
			<cusip>464287507</cusip>
			<value>103</value>
			<shrsOrPrnAmt>
				<sshPrnamt>751</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>751</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
			<cusip>464287507</cusip>
			<value>2737</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20037</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20037</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>RUS 1000 GRW ETF</titleOfClass>
			<cusip>464287614</cusip>
			<value>1770</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19033</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19033</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>RUS 2000 VAL ETF</titleOfClass>
			<cusip>464287630</cusip>
			<value>771</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8549</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8549</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>RUS 2000 GRW ETF</titleOfClass>
			<cusip>464287648</cusip>
			<value>100</value>
			<shrsOrPrnAmt>
				<sshPrnamt>750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>750</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
			<cusip>464287705</cusip>
			<value>1201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10415</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10415</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>U.S. REAL ES ETF</titleOfClass>
			<cusip>464287739</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>233</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>233</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>U.S. REAL ES ETF</titleOfClass>
			<cusip>464287739</cusip>
			<value>695</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9791</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9791</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
			<cusip>464287804</cusip>
			<value>150</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1411</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1411</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
			<cusip>464287804</cusip>
			<value>3458</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32448</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>32448</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SP SMCP600VL ETF</titleOfClass>
			<cusip>464287879</cusip>
			<value>934</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8912</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8912</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SP SMCP600GR ETF</titleOfClass>
			<cusip>464287887</cusip>
			<value>47</value>
			<shrsOrPrnAmt>
				<sshPrnamt>395</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>395</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SP SMCP600GR ETF</titleOfClass>
			<cusip>464287887</cusip>
			<value>2971</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24734</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24734</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>U.S. PFD STK ETF</titleOfClass>
			<cusip>464288687</cusip>
			<value>667</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17265</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17265</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>US REGNL BKS ETF</titleOfClass>
			<cusip>464288778</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>399</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>399</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>US REGNL BKS ETF</titleOfClass>
			<cusip>464288778</cusip>
			<value>1284</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38053</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>34312</Sole>
				<Shared>0</Shared>
				<None>3741</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>EAFE VALUE ETF</titleOfClass>
			<cusip>464288877</cusip>
			<value>27</value>
			<shrsOrPrnAmt>
				<sshPrnamt>585</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>585</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>EAFE VALUE ETF</titleOfClass>
			<cusip>464288877</cusip>
			<value>365</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7891</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7891</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<cusip>464288885</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>372</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>372</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>EAFE GRWTH ETF</titleOfClass>
			<cusip>464288885</cusip>
			<value>323</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5057</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5057</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES S&amp;P GSCI COMMODITY I</nameOfIssuer>
			<titleOfClass>UNIT BEN INT</titleOfClass>
			<cusip>46428R107</cusip>
			<value>273</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15982</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15982</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>MRNGSTR INC ETF</titleOfClass>
			<cusip>46432F875</cusip>
			<value>1083</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46015</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>46015</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JARDEN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>471109108</cusip>
			<value>35</value>
			<shrsOrPrnAmt>
				<sshPrnamt>706</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>706</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>JARDEN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>471109108</cusip>
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				<sshPrnamt>30448</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>26699</Sole>
				<Shared>0</Shared>
				<None>3749</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
			<titleOfClass>SHS USD</titleOfClass>
			<cusip>G50871105</cusip>
			<value>591</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4451</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4451</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>478160104</cusip>
			<value>473</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4675</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4675</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>478160104</cusip>
			<value>4024</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42881</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>41946</Sole>
				<Shared>0</Shared>
				<None>935</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>46625H100</cusip>
			<value>391</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6094</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6094</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>46625H100</cusip>
			<value>4279</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69878</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>66620</Sole>
				<Shared>0</Shared>
				<None>3258</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>494368103</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>494368103</cusip>
			<value>426</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3907</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3407</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>500754106</cusip>
			<value>84</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1189</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1189</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>500754106</cusip>
			<value>2741</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38841</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>38841</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LAS VEGAS SANDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>517834107</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>605</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>605</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LAS VEGAS SANDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>517834107</cusip>
			<value>1093</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28798</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25470</Sole>
				<Shared>0</Shared>
				<None>3328</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>518439104</cusip>
			<value>321</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3980</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3980</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>532457108</cusip>
			<value>58</value>
			<shrsOrPrnAmt>
				<sshPrnamt>689</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>689</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>532457108</cusip>
			<value>3372</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40296</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37573</Sole>
				<Shared>0</Shared>
				<None>2723</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LINCOLN NATL CORP IND</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>534187109</cusip>
			<value>415</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8750</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LITHIA MTRS INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>536797103</cusip>
			<value>254</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2345</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2345</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>32</value>
			<shrsOrPrnAmt>
				<sshPrnamt>156</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>156</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>1061</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5114</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5003</Sole>
				<Shared>0</Shared>
				<None>111</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>550021109</cusip>
			<value>150</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2957</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2957</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
			<titleOfClass>SHS - A -</titleOfClass>
			<cusip>N53745100</cusip>
			<value>257</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3080</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3080</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MAIDEN HOLDINGS LTD</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5753U112</cusip>
			<value>260</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18750</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MANHATTAN ASSOCS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>562750109</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3600</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>565849106</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>283</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>283</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>565849106</cusip>
			<value>774</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50269</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>44981</Sole>
				<Shared>0</Shared>
				<None>5288</None>
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		<infoTable>
			<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>57636Q104</cusip>
			<value>708</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7841</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7840</Sole>
				<Shared>0</Shared>
				<None>1</None>
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		<infoTable>
			<nameOfIssuer>MAXIMUS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>577933104</cusip>
			<value>351</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5890</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5890</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>580135101</cusip>
			<value>391</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3503</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3253</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>580135101</cusip>
			<value>1374</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13610</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13306</Sole>
				<Shared>0</Shared>
				<None>304</None>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>182</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>182</None>
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		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>1070</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21230</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21035</Sole>
				<Shared>0</Shared>
				<None>195</None>
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		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>595017104</cusip>
			<value>16</value>
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				<sshPrnamt>364</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>364</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>676</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15682</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15222</Sole>
				<Shared>0</Shared>
				<None>460</None>
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		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>594918104</cusip>
			<value>572</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11559</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11559</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>594918104</cusip>
			<value>6099</value>
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				<sshPrnamt>137025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>124883</Sole>
				<Shared>0</Shared>
				<None>12142</None>
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		<infoTable>
			<nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>609207105</cusip>
			<value>37</value>
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				<sshPrnamt>890</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>890</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
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			<cusip>609207105</cusip>
			<value>1713</value>
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				<sshPrnamt>40902</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>35817</Sole>
				<Shared>0</Shared>
				<None>5085</None>
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		<infoTable>
			<nameOfIssuer>MONSTER BEVERAGE CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>61174X109</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>35</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MONSTER BEVERAGE CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>61174X109</cusip>
			<value>355</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2627</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2627</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>NATIONAL HEALTH INVS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>63633D104</cusip>
			<value>10</value>
			<shrsOrPrnAmt>
				<sshPrnamt>181</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>181</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NATIONAL HEALTH INVS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>63633D104</cusip>
			<value>1216</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21152</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21152</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>NATIONAL HEALTHCARE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>635906100</cusip>
			<value>454</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7450</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NATIONAL HEALTHCARE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>635906209</cusip>
			<value>249</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16092</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16092</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>637071101</cusip>
			<value>42</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1118</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1118</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>637071101</cusip>
			<value>1356</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36024</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33248</Sole>
				<Shared>0</Shared>
				<None>2776</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>NETFLIX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>64110L106</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>75</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>75</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NETFLIX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>64110L106</cusip>
			<value>810</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7841</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6780</Sole>
				<Shared>0</Shared>
				<None>1061</None>
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		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>65339F101</cusip>
			<value>286</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2928</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2678</Sole>
				<Shared>0</Shared>
				<None>250</None>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>654106103</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>145</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>145</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>654106103</cusip>
			<value>1582</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12864</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9678</Sole>
				<Shared>0</Shared>
				<None>3186</None>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>655844108</cusip>
			<value>256</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3350</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>NOVARTIS A G</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>66987v109</cusip>
			<value>272</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2985</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2820</Sole>
				<Shared>0</Shared>
				<None>165</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>67011P100</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1348</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>812</Sole>
				<Shared>0</Shared>
				<None>536</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68389X105</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1457</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1457</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68389X105</cusip>
			<value>3118</value>
			<shrsOrPrnAmt>
				<sshPrnamt>86319</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>78569</Sole>
				<Shared>0</Shared>
				<None>7750</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>693475105</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>55</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>55</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>693475105</cusip>
			<value>239</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2595</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2465</Sole>
				<Shared>0</Shared>
				<None>130</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>PACWEST BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>695263103</cusip>
			<value>235</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5490</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5490</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>697435105</cusip>
			<value>270</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1570</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1570</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>PAREXEL INTL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>699462107</cusip>
			<value>266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4295</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4295</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>704326107</cusip>
			<value>380</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7968</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7968</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCOM SOFTWARE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70432V102</cusip>
			<value>208</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5785</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5785</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>36</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1166</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>945</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30436</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30436</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>713448108</cusip>
			<value>1696</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16516</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>16516</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>713448108</cusip>
			<value>3218</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33925</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>32305</Sole>
				<Shared>0</Shared>
				<None>1620</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>717081103</cusip>
			<value>251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7284</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7284</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>717081103</cusip>
			<value>1654</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51852</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>39218</Sole>
				<Shared>0</Shared>
				<None>12634</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>718172109</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>718172109</cusip>
			<value>797</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9747</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8462</Sole>
				<Shared>0</Shared>
				<None>1285</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PINNACLE FINL PARTNERS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>72346Q104</cusip>
			<value>368</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6853</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2593</Sole>
				<Shared>0</Shared>
				<None>4260</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PINNACLE FINL PARTNERS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>72346Q104</cusip>
			<value>11151</value>
			<shrsOrPrnAmt>
				<sshPrnamt>225491</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29126</Sole>
				<Shared>3805</Shared>
				<None>192560</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PLUM CREEK TIMBER CO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>729251108</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>720</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>720</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PLUM CREEK TIMBER CO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>729251108</cusip>
			<value>723</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18297</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17923</Sole>
				<Shared>0</Shared>
				<None>374</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>742718109</cusip>
			<value>216</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2858</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2858</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>742718109</cusip>
			<value>3229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44778</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>44456</Sole>
				<Shared>0</Shared>
				<None>322</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>744320102</cusip>
			<value>58</value>
			<shrsOrPrnAmt>
				<sshPrnamt>758</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>758</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>744320102</cusip>
			<value>2146</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27909</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27495</Sole>
				<Shared>0</Shared>
				<None>414</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74460D109</cusip>
			<value>267</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1260</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1260</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>747525103</cusip>
			<value>67</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1238</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1238</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>747525103</cusip>
			<value>2959</value>
			<shrsOrPrnAmt>
				<sshPrnamt>55077</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>51304</Sole>
				<Shared>0</Shared>
				<None>3773</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74762E102</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74762E102</cusip>
			<value>2223</value>
			<shrsOrPrnAmt>
				<sshPrnamt>91797</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>82108</Sole>
				<Shared>0</Shared>
				<None>9689</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>75886F107</cusip>
			<value>432</value>
			<shrsOrPrnAmt>
				<sshPrnamt>928</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>928</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REGIONS FINL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>2329</value>
			<shrsOrPrnAmt>
				<sshPrnamt>258511</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>258511</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROSS STORES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>778296103</cusip>
			<value>657</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13555</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13555</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
			<titleOfClass>SPON ADR B</titleOfClass>
			<cusip>780259107</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>504</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>504</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
			<titleOfClass>SPON ADR B</titleOfClass>
			<cusip>780259107</cusip>
			<value>903</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19016</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18670</Sole>
				<Shared>0</Shared>
				<None>346</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCANA CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>80589M102</cusip>
			<value>30</value>
			<shrsOrPrnAmt>
				<sshPrnamt>535</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>535</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCANA CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>80589M102</cusip>
			<value>1068</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18993</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18605</Sole>
				<Shared>0</Shared>
				<None>388</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>806857108</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>225</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>225</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>806857108</cusip>
			<value>1380</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19996</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18873</Sole>
				<Shared>0</Shared>
				<None>1123</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G7945M107</cusip>
			<value>51</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1144</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1144</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G7945M107</cusip>
			<value>1263</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28188</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27812</Sole>
				<Shared>0</Shared>
				<None>376</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI MATERIALS</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>367</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>367</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI MATERIALS</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>241</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6032</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6032</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-ENERGY</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>497</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8115</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8115</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-INDS</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>816851109</cusip>
			<value>653</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6750</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6750</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SERVICESOURCE INTL LLC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>81763U100</cusip>
			<value>64</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16000</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SHIRE PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>82481R106</cusip>
			<value>229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1115</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1115</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SIGMA ALDRICH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>826552101</cusip>
			<value>1166</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8393</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8393</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>82669G104</cusip>
			<value>307</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2230</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2230</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SKECHERS U S A INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>830566105</cusip>
			<value>243</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1810</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1810</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>83088M102</cusip>
			<value>267</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3165</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3165</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SNAP ON INC COM</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>833034101</cusip>
			<value>499</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3305</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3305</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>842587107</cusip>
			<value>65</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1445</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1445</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>842587107</cusip>
			<value>1946</value>
			<shrsOrPrnAmt>
				<sshPrnamt>43528</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>43090</Sole>
				<Shared>0</Shared>
				<None>438</None>
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		<infoTable>
			<nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>844741108</cusip>
			<value>485</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12730</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12730</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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			<cusip>78462F103</cusip>
			<value>0</value>
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				<sshPrnamt>5</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
			<titleOfClass>TR UNIT</titleOfClass>
			<cusip>78462F103</cusip>
			<value>5633</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29395</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29395</Sole>
				<Shared>0</Shared>
				<None>0</None>
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			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
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			<cusip>78464A201</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>134</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>134</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
			<cusip>78464A201</cusip>
			<value>1262</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7241</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6374</Sole>
				<Shared>0</Shared>
				<None>867</None>
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		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
			<cusip>78464A300</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>298</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>298</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
			<cusip>78464A300</cusip>
			<value>1418</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15010</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13684</Sole>
				<Shared>0</Shared>
				<None>1326</None>
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		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>DJ REIT ETF</titleOfClass>
			<cusip>78464A607</cusip>
			<value>550</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6385</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6385</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SPDR DOW JONES INDL AVRG ETF</nameOfIssuer>
			<titleOfClass>UT SER 1</titleOfClass>
			<cusip>78467X109</cusip>
			<value>328</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2020</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2020</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
			<titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>1049</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4215</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4215</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPECTRA ENERGY PARTNERS LP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>847560109</cusip>
			<value>361</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13737</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13437</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>855244109</cusip>
			<value>11</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>855244109</cusip>
			<value>561</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9866</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9866</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STERICYCLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>858912108</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1505</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1505</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SUN LIFE FINL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>866796105</cusip>
			<value>223</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6925</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6925</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUNTRUST BKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>867914103</cusip>
			<value>1066</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27872</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27872</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>871829107</cusip>
			<value>381</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9788</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9188</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>87612E106</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>676</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>676</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>87612E106</cusip>
			<value>1794</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22804</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21655</Sole>
				<Shared>0</Shared>
				<None>1149</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>882508104</cusip>
			<value>497</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9469</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9469</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TEXTAINER GROUP HOLDINGS LTD</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G8766E109</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1309</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1309</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TEXTAINER GROUP HOLDINGS LTD</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G8766E109</cusip>
			<value>560</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33980</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33513</Sole>
				<Shared>0</Shared>
				<None>467</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>216</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1521</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1521</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>872540109</cusip>
			<value>519</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7262</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7262</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>89417E109</cusip>
			<value>248</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2491</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2491</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>UBS AG JERSEY BRH</nameOfIssuer>
			<titleOfClass>ALERIAN INFRST</titleOfClass>
			<cusip>902641646</cusip>
			<value>253</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9337</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9337</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>UGI CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>902681105</cusip>
			<value>257</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7380</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ULTA SALON COSMETCS &amp; FRAG I</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>90384S303</cusip>
			<value>380</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2329</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2329</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>904311107</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>184</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>904311107</cusip>
			<value>1902</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19643</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<None>3643</None>
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			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>11</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>125</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>907818108</cusip>
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				<sshPrnamt>18818</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18818</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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			<cusip>911312106</cusip>
			<value>241</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2439</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2139</Sole>
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				<None>300</None>
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		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>913017109</cusip>
			<value>49</value>
			<shrsOrPrnAmt>
				<sshPrnamt>552</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>552</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>913017109</cusip>
			<value>2572</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28898</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27233</Sole>
				<Shared>0</Shared>
				<None>1665</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91324P102</cusip>
			<value>58</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91324P102</cusip>
			<value>4524</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39003</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>35727</Sole>
				<Shared>0</Shared>
				<None>3276</None>
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		<infoTable>
			<nameOfIssuer>UNIVERSAL INS HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91359V107</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7655</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7655</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>V F CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>918204108</cusip>
			<value>301</value>
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				<sshPrnamt>4415</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4415</None>
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		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>233</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>233</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>396</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6598</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6372</Sole>
				<Shared>0</Shared>
				<None>226</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
			<titleOfClass>SHORT TRM BOND</titleOfClass>
			<cusip>921937827</cusip>
			<value>256</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3182</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3182</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
			<titleOfClass>FTSE DEV MKT ETF</titleOfClass>
			<cusip>921943858</cusip>
			<value>621</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17428</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17428</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>119</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3597</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3597</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>1705</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51533</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>51533</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REIT ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2810</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2810</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>TOTAL STK MKT</titleOfClass>
			<cusip>922908769</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>19</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>TOTAL STK MKT</titleOfClass>
			<cusip>922908769</cusip>
			<value>734</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7438</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92343V104</cusip>
			<value>274</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5973</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5590</Sole>
				<Shared>0</Shared>
				<None>383</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92343V104</cusip>
			<value>3244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>74168</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>73177</Sole>
				<Shared>0</Shared>
				<None>991</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
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			<cusip>92826C839</cusip>
			<value>53</value>
			<shrsOrPrnAmt>
				<sshPrnamt>756</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>756</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
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			<cusip>92826C839</cusip>
			<value>2843</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40809</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>36950</Sole>
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				<None>3859</None>
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		<infoTable>
			<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>931142103</cusip>
			<value>396</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6101</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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			<cusip>94106L109</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>568</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>568</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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			<cusip>94106L109</cusip>
			<value>1045</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20978</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>433</None>
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		<infoTable>
			<nameOfIssuer>WELLS FARGO &amp; CO NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>949746101</cusip>
			<value>99</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1935</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1935</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>WELLS FARGO &amp; CO NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>949746101</cusip>
			<value>4287</value>
			<shrsOrPrnAmt>
				<sshPrnamt>83486</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>79034</Sole>
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				<None>4452</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WHITEWAVE FOODS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>966244105</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5225</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5225</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WHOLE FOODS MKT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>966837106</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WHOLE FOODS MKT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>966837106</cusip>
			<value>520</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16417</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16417</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WOLVERINE WORLD WIDE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>978097103</cusip>
			<value>49</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2261</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2261</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>988498101</cusip>
			<value>58</value>
			<shrsOrPrnAmt>
				<sshPrnamt>728</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>728</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>988498101</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>2781</None>
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</SEC-DOCUMENT>
