<SEC-DOCUMENT>0000950123-23-010471.txt : 20231114
<SEC-HEADER>0000950123-23-010471.hdr.sgml : 20231114
<ACCEPTANCE-DATETIME>20231114084852
ACCESSION NUMBER:		0000950123-23-010471
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231114
DATE AS OF CHANGE:		20231114
EFFECTIVENESS DATE:		20231114

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Bank OZK
		CENTRAL INDEX KEY:			0001569650
		IRS NUMBER:				710130170
		STATE OF INCORPORATION:			AR
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-15250
		FILM NUMBER:		231401833

	BUSINESS ADDRESS:	
		STREET 1:		18000 CANTRELL ROAD
		CITY:			LITTLE ROCK
		STATE:			AR
		ZIP:			72223
		BUSINESS PHONE:		501-978-2218

	MAIL ADDRESS:	
		STREET 1:		18000 CANTRELL ROAD
		CITY:			LITTLE ROCK
		STATE:			AR
		ZIP:			72223

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Bank of the Ozarks
		DATE OF NAME CHANGE:	20130213
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags/>
      <filer>
        <credentials>
          <cik>0001569650</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2023</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2023</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>BANK OZK</name>
        <address>
          <ns1:street1>18000 CANTRELL ROAD</ns1:street1>
          <ns1:city>LITTLE ROCK</ns1:city>
          <ns1:stateOrCountry>AR</ns1:stateOrCountry>
          <ns1:zipCode>72223</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-15250</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>SHEILA MAYDEN</name>
      <title>EVP CORPORATE TRUST MANAGER</title>
      <phone>501-978-2218</phone>
      <signature>/s/ SHEILA MAYDEN</signature>
      <city>LITTLE ROCK</city>
      <stateOrCountry>AR</stateOrCountry>
      <signatureDate>11-13-2023</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>255</tableEntryTotal>
      <tableValueTotal>182227268</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
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<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
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    <votingAuthority>
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      <None>0</None>
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      <Sole>739</Sole>
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    <votingAuthority>
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      <None>783</None>
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      <sshPrnamt>14861</sshPrnamt>
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      <sshPrnamt>227</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>128</sshPrnamt>
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    <votingAuthority>
      <Sole>43</Sole>
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      <None>25</None>
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      <sshPrnamt>8662</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8662</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>485</Sole>
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    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR</nameOfIssuer>
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    <votingAuthority>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>390</Sole>
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    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>325</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>325</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>2018887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11973</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>11848</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>872</Sole>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
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      <sshPrnamt>94</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>73</Sole>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
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      <sshPrnamt>34010</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>33710</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>4011</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>9371</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>9371</Sole>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
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      <sshPrnamt>744</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>20847</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>20397</Sole>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>8196</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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    <value>450006</value>
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      <None>2358</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>4559</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1750</Sole>
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      <None>0</None>
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    <cusip>22160K105</cusip>
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      <sshPrnamt>2694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2694</Sole>
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      <None>0</None>
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    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
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      <sshPrnamt>324</sshPrnamt>
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      <None>0</None>
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    <cusip>22822V101</cusip>
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      <sshPrnamt>711</sshPrnamt>
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    <votingAuthority>
      <Sole>711</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>22822V101</cusip>
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      <sshPrnamt>2475</sshPrnamt>
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      <None>2475</None>
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    <cusip>244199105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>857</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>857</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>611841</value>
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      <sshPrnamt>5783</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5783</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>64326</value>
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      <sshPrnamt>608</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>507</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
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      <sshPrnamt>16630</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16630</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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    <cusip>26441C204</cusip>
    <value>484282</value>
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      <sshPrnamt>5487</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3457</Sole>
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      <None>1795</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17292</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
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      <sshPrnamt>1287</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>884</Sole>
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      <None>0</None>
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    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
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    <cusip>26924G409</cusip>
    <value>64866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1659</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>86</Sole>
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      <None>1573</None>
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    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>PRIME MOBILE PAY</titleOfClass>
    <cusip>26924G409</cusip>
    <value>161483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4130</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>4130</None>
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    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
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    <cusip>277432100</cusip>
    <value>194715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2538</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2538</Sole>
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      <None>0</None>
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    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>103572</value>
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      <sshPrnamt>1350</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>7797</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7797</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>285512109</cusip>
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      <sshPrnamt>509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>334</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
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      <sshPrnamt>3850</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3557</Sole>
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      <None>293</None>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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    <cusip>291011104</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
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      <sshPrnamt>3413</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3413</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
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      <sshPrnamt>600</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>EXCHANGE TRADED CONCEPTS TR</nameOfIssuer>
    <titleOfClass>ROBO GLB ETF</titleOfClass>
    <cusip>301505707</cusip>
    <value>268972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5341</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>643</Sole>
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      <None>4698</None>
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  <infoTable>
    <nameOfIssuer>EXCHANGE TRADED CONCEPTS TR</nameOfIssuer>
    <titleOfClass>ROBO GLB ETF</titleOfClass>
    <cusip>301505707</cusip>
    <value>1035754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20567</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14315</Sole>
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      <None>6252</None>
    </votingAuthority>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
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      <sshPrnamt>17681</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15860</Sole>
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      <None>1821</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
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      <sshPrnamt>4303</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4303</Sole>
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      <None>0</None>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>90663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>302</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
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      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>390</None>
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    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>484803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1830</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>2713656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46245</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>466506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7825</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>302331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2094</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>95453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>295</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>136870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>423</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>1468195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4714</Sole>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>133554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>1823014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9793</Sole>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>382781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>0</Shared>
      <None>11200</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1129</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>600</Sole>
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      <None>0</None>
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      <sshPrnamt>2827</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>155</sshPrnamt>
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      <Shared>155</Shared>
      <None>0</None>
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    <votingAuthority>
      <Sole>8266</Sole>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2255</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>763</Shared>
      <None>0</None>
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    <nameOfIssuer>INVESCO SR INCOME TR</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38507</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO SR INCOME TR</nameOfIssuer>
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      <None>46385</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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      <None>8910</None>
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    <nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>20</Sole>
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      <None>0</None>
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    <cusip>464285204</cusip>
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      <None>31121</None>
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      <Sole>988</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <Sole>2329</Sole>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <sshPrnamt>1321</sshPrnamt>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <None>2887</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287804</cusip>
    <value>863968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9159</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287804</cusip>
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      <sshPrnamt>1130</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <votingAuthority>
      <Sole>2391</Sole>
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      <None>1135</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>11534</Sole>
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  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
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      <sshPrnamt>1621</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1418</Sole>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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      <sshPrnamt>7580</sshPrnamt>
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      <Sole>7320</Sole>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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      <sshPrnamt>1574</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1574</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9969</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>9969</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
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      <sshPrnamt>2283</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>2179</Sole>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
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      <sshPrnamt>820</sshPrnamt>
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      <Sole>470</Sole>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>3333</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3333</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
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      <Sole>800</Sole>
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      <None>1360</None>
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    <nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
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      <sshPrnamt>2940</sshPrnamt>
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    <votingAuthority>
      <Sole>2940</Sole>
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      <None>0</None>
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      <sshPrnamt>568</sshPrnamt>
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      <Sole>379</Sole>
      <Shared>57</Shared>
      <None>132</None>
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    <cusip>571903202</cusip>
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      <sshPrnamt>5037</sshPrnamt>
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      <Sole>5037</Sole>
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      <sshPrnamt>357</sshPrnamt>
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      <Sole>234</Sole>
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      <None>0</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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      <sshPrnamt>8454</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8454</Sole>
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      <None>0</None>
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    <cusip>57636Q104</cusip>
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      <sshPrnamt>950</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>870</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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    <cusip>580135101</cusip>
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      <sshPrnamt>3829</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3542</Sole>
      <Shared>190</Shared>
      <None>97</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>52688</value>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>3475</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3475</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
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      <sshPrnamt>403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>88</Shared>
      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
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      <sshPrnamt>31220</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30190</Sole>
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      <None>400</None>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
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      <sshPrnamt>10801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10556</Sole>
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      <None>245</None>
    </votingAuthority>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>6376887</value>
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      <sshPrnamt>20196</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19996</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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      <sshPrnamt>9530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8600</Sole>
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      <None>490</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595017104</cusip>
    <value>180685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2315</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2315</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595017104</cusip>
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      <sshPrnamt>1769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1769</Sole>
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      <None>0</None>
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    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1913</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1913</Sole>
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      <None>0</None>
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    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>178</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
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      <sshPrnamt>11727</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11015</Sole>
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      <sshPrnamt>1350</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
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      <sshPrnamt>11004</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11004</Sole>
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    <nameOfIssuer>NIKE INC</nameOfIssuer>
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      <sshPrnamt>2459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2248</Sole>
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    <nameOfIssuer>GEN DIGITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>668771108</cusip>
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      <sshPrnamt>33827</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33827</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>68580</value>
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      <sshPrnamt>3879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3293</Sole>
      <Shared>586</Shared>
      <None>0</None>
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    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
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      <sshPrnamt>6095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6095</Sole>
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      <None>0</None>
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    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>2441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2441</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>3098433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7123</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>409760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>942</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>485</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>230270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2174</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2174</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
    <value>252572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2190</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>2078012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11769</Sole>
      <Shared>345</Shared>
      <None>150</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>1757431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9297</Sole>
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      <None>45</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>639418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18386</Sole>
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      <None>398</None>
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  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
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      <sshPrnamt>16592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16592</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>193681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1612</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>156195</value>
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      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723787107</cusip>
    <value>935416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4075</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>355</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>145</Shared>
      <None>0</None>
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      <sshPrnamt>9103</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8544</Sole>
      <Shared>255</Shared>
      <None>304</None>
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      <sshPrnamt>10940</sshPrnamt>
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    <votingAuthority>
      <Sole>10580</Sole>
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      <None>60</None>
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      <sshPrnamt>5960</sshPrnamt>
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    <votingAuthority>
      <Sole>5960</Sole>
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      <None>0</None>
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      <sshPrnamt>571</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>424</Sole>
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      <None>0</None>
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      <sshPrnamt>15788</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15788</Sole>
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      <None>0</None>
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    <cusip>744573106</cusip>
    <value>198672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2041</Sole>
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      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>238485</value>
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      <sshPrnamt>905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>905</None>
    </votingAuthority>
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    <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>7984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7984</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
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    <cusip>74762E102</cusip>
    <value>141611</value>
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      <sshPrnamt>757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>614</Sole>
      <Shared>143</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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      <sshPrnamt>4625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4625</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1600</Shared>
      <None>0</None>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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    <cusip>78464A763</cusip>
    <value>407595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3544</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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    <cusip>78464A763</cusip>
    <value>1150100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>42935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
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      <None>528</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>428189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5864</None>
    </votingAuthority>
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    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3923</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
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      <sshPrnamt>945</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>945</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>842587107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4275</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>842587107</cusip>
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      <sshPrnamt>10700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>700</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
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    <cusip>855244109</cusip>
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      <sshPrnamt>4967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4967</Sole>
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      <None>0</None>
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    <nameOfIssuer>STARWOOD PPTY TR INC</nameOfIssuer>
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      <sshPrnamt>6100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC</nameOfIssuer>
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    <value>437310</value>
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      <sshPrnamt>22600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22600</None>
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    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>26755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26355</Sole>
      <Shared>400</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3530</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>1563098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11161</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>150833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>861</Sole>
      <Shared>216</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
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    <cusip>874039100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>12888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12888</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>1479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1047</Sole>
      <Shared>432</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>87612EAP1</cusip>
    <value>189627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1715</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1715</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612EAP1</cusip>
    <value>41021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1745274</value>
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      <sshPrnamt>3448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>7592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOLL BROTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>889478103</cusip>
    <value>721701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9758</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TOLL BROTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>889478103</cusip>
    <value>108425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1252</Sole>
      <Shared>214</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>533490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18647</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>419994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9500</Sole>
      <Shared>0</Shared>
      <None>5180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1965436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9652</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>202000</value>
    <shrsOrPrnAmt>
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</SEC-DOCUMENT>
