<SEC-DOCUMENT>0000950123-25-002462.txt : 20250214
<SEC-HEADER>0000950123-25-002462.hdr.sgml : 20250214
<ACCEPTANCE-DATETIME>20250214112022
ACCESSION NUMBER:		0000950123-25-002462
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250214
DATE AS OF CHANGE:		20250214
EFFECTIVENESS DATE:		20250214

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HANCOCK WHITNEY CORP
		CENTRAL INDEX KEY:			0000750577
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				640693170
		STATE OF INCORPORATION:			MS
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05671
		FILM NUMBER:		25625032

	BUSINESS ADDRESS:	
		STREET 1:		ONE HANCOCK WHITNEY PLAZA
		STREET 2:		P O BOX 4019
		CITY:			GULFPORT
		STATE:			MS
		ZIP:			39501
		BUSINESS PHONE:		5042995208

	MAIL ADDRESS:	
		STREET 1:		ONE HANCOCK WHITNEY PLAZA
		STREET 2:		P O BOX 4019
		CITY:			GULFPORT
		STATE:			MS
		ZIP:			39501

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HANCOCK HOLDING CO
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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      <liveTestFlag>LIVE</liveTestFlag>
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        <credentials>
          <cik>0000750577</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>12-31-2024</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>12-31-2024</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>HANCOCK WHITNEY CORP</name>
        <address>
          <ns1:street1>ONE HANCOCK WHITNEY PLAZA</ns1:street1>
          <ns1:street2>P O BOX 4019</ns1:street2>
          <ns1:city>GULFPORT</ns1:city>
          <ns1:stateOrCountry>MS</ns1:stateOrCountry>
          <ns1:zipCode>39501</ns1:zipCode>
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      <form13FFileNumber>028-05671</form13FFileNumber>
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          <name>HANCOCK WHITNEY INVESTMENT SERVICES INC.</name>
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    <signatureBlock>
      <name>Anthony Frey</name>
      <title>EVP, Trust Director</title>
      <phone>5042995070</phone>
      <signature>Anthony Frey</signature>
      <city>New Orleans</city>
      <stateOrCountry>LA</stateOrCountry>
      <signatureDate>02-14-2025</signatureDate>
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    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM ADDED</titleOfClass>
    <cusip>09290D101</cusip>
    <value>20502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM ADDED</titleOfClass>
    <cusip>09290D101</cusip>
    <value>403893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM ADDED</titleOfClass>
    <cusip>09290D101</cusip>
    <value>5126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>706053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3989</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>9912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>2205026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>215251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>172967424</cusip>
    <value>375955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>1464904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6308</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>3483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>200340107</cusip>
    <value>365720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>101947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>991</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>12160928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>122591</Sole>
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      <None>36</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>16363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>63676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>177869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3743</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>5322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>112</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>3037610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>94131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>128982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>13576583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38919</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>14990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>35</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>4848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>83</Sole>
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      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>391527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8722</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>4175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>50</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>243537107</cusip>
    <value>23761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>243537107</cusip>
    <value>12746619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62718</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>243537107</cusip>
    <value>106420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>2305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>563558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>1419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>143781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>4487698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25906</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>6236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>36</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>24786</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>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>622504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4973</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>3222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>30212P303</cusip>
    <value>29814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>30212P303</cusip>
    <value>8751956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46909</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>561946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5196</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>26109069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>242351</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1578051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>14561</Sole>
      <Shared>109</Shared>
      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>76149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>2146648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8129</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>5270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>270350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>676</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>31361258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80499</Sole>
      <Shared>0</Shared>
      <None>123</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>1065444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2690</Sole>
      <Shared>49</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>32581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>248863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>7139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>81</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>202757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>6827367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47165</Sole>
      <Shared>0</Shared>
      <None>44</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>758099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5165</Sole>
      <Shared>77</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48020Q107</cusip>
    <value>2025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48020Q107</cusip>
    <value>1008255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3983</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48020Q107</cusip>
    <value>75436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500754106</cusip>
    <value>6142</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>
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  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500754106</cusip>
    <value>236560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>148695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>23323215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47969</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>385837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>14</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>76725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>2702560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM NON VTG</titleOfClass>
    <cusip>579780206</cusip>
    <value>888117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11649</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM NON VTG</titleOfClass>
    <cusip>579780206</cusip>
    <value>121984</value>
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      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>33949</value>
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      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>389</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2235684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27937</Sole>
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      <None>51</None>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>16455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>89</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>720767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1652</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>129952970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>308071</Sole>
      <Shared>0</Shared>
      <None>239</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>3268734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7657</Sole>
      <Shared>98</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>885318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7042</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>10183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>81</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETAPP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110D104</cusip>
    <value>39003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110D104</cusip>
    <value>849349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7304</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>57937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>25675372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28791</Sole>
      <Shared>0</Shared>
      <None>15</None>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>329788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>254930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>1321034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18017</Sole>
      <Shared>0</Shared>
      <None>410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>77568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>1054</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>11351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>615271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>159308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>956</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>4134846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>7499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>688239201</cusip>
    <value>281788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>151909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>5311009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>49268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>138</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>83357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3056</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>2836506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>106917</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>122250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4406</Sole>
      <Shared>202</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>39716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>12357326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>102626</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>146105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>398424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>378004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>753765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>2027005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5963</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>114903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>176544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892356106</cusip>
    <value>512295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>45608</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>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1453070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>56657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>103</Sole>
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      <None>9</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>4289695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>95130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>284</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>28429026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89897</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1308090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>53664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>187959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIENA CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>171779309</cusip>
    <value>1830539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>103304101</cusip>
    <value>1959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>103304101</cusip>
    <value>473035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>348224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1472</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>54378552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>234357</Sole>
      <Shared>0</Shared>
      <None>195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>510048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1910</Sole>
      <Shared>290</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>303250104</cusip>
    <value>6130089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3077</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>303250104</cusip>
    <value>99547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
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    <nameOfIssuer>BOISE CASCADE CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09739D100</cusip>
    <value>4398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOISE CASCADE CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09739D100</cusip>
    <value>447984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3769</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOISE CASCADE CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09739D100</cusip>
    <value>30190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BRADY CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>104674106</cusip>
    <value>219037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127387108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5149</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>325614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1826</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1826</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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    <cusip>166764100</cusip>
    <value>286493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1978</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1966</Sole>
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      <None>12</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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      <sshPrnamt>91871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91851</Sole>
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      <None>20</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>340519</value>
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      <sshPrnamt>2351</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2233</Sole>
      <Shared>118</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>41440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>4076809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>68865</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>97029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1639</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>189054109</cusip>
    <value>146169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>189054109</cusip>
    <value>175079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1078</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1078</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>80938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>2728236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43820</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43820</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>123275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1980</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>63637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>1346381</value>
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      <sshPrnamt>14810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14766</Sole>
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      <None>44</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>6728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>74</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>20030N101</cusip>
    <value>53255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1419</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1416</Sole>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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    <cusip>20030N101</cusip>
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      <sshPrnamt>51021</sshPrnamt>
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    <votingAuthority>
      <Sole>51021</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>205887102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>554</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>205887102</cusip>
    <value>1050719</value>
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      <sshPrnamt>37863</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37787</Sole>
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      <None>76</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>48562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>53</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
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      <sshPrnamt>12478</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12474</Sole>
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      <None>4</None>
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  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>229899109</cusip>
    <value>2283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>229899109</cusip>
    <value>963533</value>
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      <sshPrnamt>7177</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7177</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>229899109</cusip>
    <value>71018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>529</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>529</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>5584375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13180</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25278X109</cusip>
    <value>1444489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8798</Sole>
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      <None>19</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>44540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>1791623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16090</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16058</Sole>
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      <None>32</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>104001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>934</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>934</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260003108</cusip>
    <value>1570588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8372</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8341</Sole>
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      <None>31</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>105693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>981</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>981</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>358989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3332</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3257</Sole>
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      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>5926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>210717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
    <value>201355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2522</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>285512109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1030</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>422036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3263</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>327015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2580</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>33589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>206413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2335</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>54147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>869</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>35206850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>564489</Sole>
      <Shared>100</Shared>
      <None>438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>157458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2527</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>8669083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>352081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3872</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>498479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>1889034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4704</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>2254478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6998</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>16417</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>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>5806202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>230256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>9431022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42676</Sole>
      <Shared>6</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1</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>359010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2873</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>280286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2243</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>1250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10</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>536003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4652</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>24983269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>216821</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>252678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2003</Sole>
      <Shared>190</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>415542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>516978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3819</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
    <cusip>464288240</cusip>
    <value>4344929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>83300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF</titleOfClass>
    <cusip>464288257</cusip>
    <value>321363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF</titleOfClass>
    <cusip>464288257</cusip>
    <value>88125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>2956845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48492</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>3214701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB INFRASTR ETF</titleOfClass>
    <cusip>464288372</cusip>
    <value>71401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1159</Sole>
      <Shared>0</Shared>
      <None>207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB INFRASTR ETF</titleOfClass>
    <cusip>464288372</cusip>
    <value>9075537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173148</Sole>
      <Shared>19</Shared>
      <None>461</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLB INFRASTR ETF</titleOfClass>
    <cusip>464288372</cusip>
    <value>6534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>50611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>6640200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>319011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>1781669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>8844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>1584720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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      <sshPrnamt>310</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <cusip>808524888</cusip>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <cusip>808524888</cusip>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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  <infoTable>
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  <infoTable>
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      <None>58</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>363491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4754</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>96166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>15919872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>131689</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>49049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>876030107</cusip>
    <value>55334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>876030107</cusip>
    <value>808333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>155633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>2245812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>6938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>45769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>3186975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13205</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>19271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>384228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>3405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>22</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>GLB EX US ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>1406358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35550</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>243321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5525</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>5537545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125739</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>31048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>375</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>2793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>6859889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>117908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>38224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>13340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>1567221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>109916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>13920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>3347876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>106604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>2517594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55527</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>27884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>922475108</cusip>
    <value>36374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>922475108</cusip>
    <value>15841821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75291</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>922475108</cusip>
    <value>31748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>1816328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>4090907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>940566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>546296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>630812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>315728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>1005931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
      <Sole>164243</Sole>
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    <nameOfIssuer>EPR PPTYS</nameOfIssuer>
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      <Sole>1306</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
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  <infoTable>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>47</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
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    <cusip>231561101</cusip>
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      <sshPrnamt>7424</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7424</Sole>
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      <None>0</None>
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    <cusip>231561101</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>483</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>233331107</cusip>
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      <sshPrnamt>436</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>436</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>233331107</cusip>
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      <sshPrnamt>14006</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13957</Sole>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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      <sshPrnamt>20379</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20379</Sole>
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      <None>0</None>
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      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>147</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>4761</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4761</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENCOMPASS HEALTH CORP</nameOfIssuer>
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      <sshPrnamt>20</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <sshPrnamt>39218</sshPrnamt>
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    <votingAuthority>
      <Sole>39141</Sole>
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    <titleOfClass>NO AMER ENERGY</titleOfClass>
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    <votingAuthority>
      <Sole>43324</Sole>
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    <cusip>33738R605</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7566</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>250</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>FORTINET INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48647</Sole>
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      <None>48</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>66</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36251C103</cusip>
    <value>228957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2699</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2699</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>452</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>833</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>833</Sole>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
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      <sshPrnamt>105155</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105078</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>349</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>349</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>119434</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>119273</Sole>
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  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC</nameOfIssuer>
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      <sshPrnamt>1028</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>5256285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7373</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>12109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONAL MGMT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75902K106</cusip>
    <value>292973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8622</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>777682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>408932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5202</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>1984824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>231590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>996</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>833034101</cusip>
    <value>36664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>833034101</cusip>
    <value>554026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>11936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>1512387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871607107</cusip>
    <value>34461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871607107</cusip>
    <value>4272627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8788</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>292176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91307C102</cusip>
    <value>3528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91307C102</cusip>
    <value>2596906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7347</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91307C102</cusip>
    <value>119260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>955306105</cusip>
    <value>207671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>955306105</cusip>
    <value>18671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>24839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>821628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOT BARN HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>099406100</cusip>
    <value>415381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OFG BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103X102</cusip>
    <value>11807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OFG BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103X102</cusip>
    <value>1164397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OFG BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103X102</cusip>
    <value>66696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
    <value>68620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
    <value>861428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8652</Sole>
      <Shared>0</Shared>
      <None>688</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
    <value>8485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM SHS ADDED</titleOfClass>
    <cusip>040413205</cusip>
    <value>89751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>772</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM SHS ADDED</titleOfClass>
    <cusip>040413205</cusip>
    <value>16178615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>146267</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM SHS ADDED</titleOfClass>
    <cusip>040413205</cusip>
    <value>36696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARTISAN PARTNERS ASSET MGMT</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>04316A108</cusip>
    <value>202809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>084423102</cusip>
    <value>32946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>084423102</cusip>
    <value>9253951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>157973</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>084423102</cusip>
    <value>23701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>093671105</cusip>
    <value>631120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11895</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACTUS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>127203107</cusip>
    <value>233966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIXIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161Q104</cusip>
    <value>3331</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>EXELIXIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161Q104</cusip>
    <value>1495509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIXIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161Q104</cusip>
    <value>115318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3463</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <titleOfClass>COM</titleOfClass>
    <cusip>364760108</cusip>
    <value>717480</value>
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      <sshPrnamt>30363</sshPrnamt>
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    <votingAuthority>
      <Sole>30363</Sole>
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      <None>0</None>
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    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40412C101</cusip>
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      <sshPrnamt>5130</sshPrnamt>
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    <votingAuthority>
      <Sole>5099</Sole>
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      <None>31</None>
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    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>43300A203</cusip>
    <value>2495323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10096</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10096</Sole>
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      <None>0</None>
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    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>8137</sshPrnamt>
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    <votingAuthority>
      <Sole>8137</Sole>
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      <None>0</None>
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    <nameOfIssuer>LANTHEUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>2952</value>
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      <sshPrnamt>33</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>33</Sole>
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      <None>0</None>
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    <nameOfIssuer>LANTHEUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>516544103</cusip>
    <value>1541666</value>
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      <sshPrnamt>17233</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17233</Sole>
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      <None>0</None>
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    <nameOfIssuer>LANTHEUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>516544103</cusip>
    <value>98406</value>
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      <sshPrnamt>1100</sshPrnamt>
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    <votingAuthority>
      <Sole>1100</Sole>
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      <None>0</None>
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    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>526057104</cusip>
    <value>18546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>136</Sole>
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      <None>0</None>
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    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>526057104</cusip>
    <value>5522577</value>
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      <sshPrnamt>40497</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40476</Sole>
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      <None>21</None>
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    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>526057104</cusip>
    <value>22228</value>
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      <sshPrnamt>163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>163</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>464305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9397</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9356</Sole>
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      <None>41</None>
    </votingAuthority>
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    <nameOfIssuer>PRICESMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>741511109</cusip>
    <value>205079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2225</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744573106</cusip>
    <value>2613360</value>
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      <sshPrnamt>30931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29931</Sole>
      <Shared>0</Shared>
      <None>1000</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744573106</cusip>
    <value>19095</value>
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      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>226</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>759351604</cusip>
    <value>124333</value>
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      <sshPrnamt>582</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>582</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>759351604</cusip>
    <value>16933174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>79204</Sole>
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      <None>60</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>759351604</cusip>
    <value>82248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>385</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780287108</cusip>
    <value>356391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2703</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2703</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SAFRAN</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>786584102</cusip>
    <value>710957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13045</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAFRAN</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>786584102</cusip>
    <value>80170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1471</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TEGNA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87901J105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1466</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1466</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEGNA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85979</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEGNA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87901J105</cusip>
    <value>41024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2243</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2243</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05605H100</cusip>
    <value>256085</value>
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      <sshPrnamt>2299</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2299</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74762E102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2344</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2344</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ACI WORLDWIDE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>004498101</cusip>
    <value>327395</value>
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      <sshPrnamt>6307</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6307</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ACUITY BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00508Y102</cusip>
    <value>3798</value>
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      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00508Y102</cusip>
    <value>1840126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6299</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00508Y102</cusip>
    <value>126200</value>
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      <sshPrnamt>432</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>432</Sole>
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      <None>0</None>
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    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>1263342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10459</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10437</Sole>
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      <None>22</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>134198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1111</Sole>
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      <None>0</None>
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    <nameOfIssuer>AXON ENTERPRISE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05464C101</cusip>
    <value>234163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>394</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARS COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14575E105</cusip>
    <value>1889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>109</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARS COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14575E105</cusip>
    <value>176541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10187</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARS COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14575E105</cusip>
    <value>12790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>738</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>169656105</cusip>
    <value>1949982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32338</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32338</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172908105</cusip>
    <value>973978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5300</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>46878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>823</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>170026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2985</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
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      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELX PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>759530108</cusip>
    <value>202166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>1244979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>98745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G02602103</cusip>
    <value>38484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>452</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G02602103</cusip>
    <value>1963506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G02602103</cusip>
    <value>106425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1194</Sole>
      <Shared>56</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>59261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>594050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1654</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>1048767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>94619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G6700G107</cusip>
    <value>2113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G6700G107</cusip>
    <value>951111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G6700G107</cusip>
    <value>71295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>774039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>349485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1662</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12008R107</cusip>
    <value>3573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12008R107</cusip>
    <value>3658010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12008R107</cusip>
    <value>117774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENEL - SOCIETA PER AZIONI</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>29265W207</cusip>
    <value>492394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>69547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENEL - SOCIETA PER AZIONI</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>29265W207</cusip>
    <value>74071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10462</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NMI HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>629209305</cusip>
    <value>8014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NMI HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>629209305</cusip>
    <value>792070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NMI HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>629209305</cusip>
    <value>60470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMUNITY HEALTHCARE TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20369C106</cusip>
    <value>1402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMUNITY HEALTHCARE TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20369C106</cusip>
    <value>275417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMUNITY HEALTHCARE TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20369C106</cusip>
    <value>11411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>L8681T102</cusip>
    <value>372668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>833</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORIAN LPG LTD</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>Y2106R110</cusip>
    <value>2169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORIAN LPG LTD</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>Y2106R110</cusip>
    <value>211215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORIAN LPG LTD</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>Y2106R110</cusip>
    <value>15694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>493267108</cusip>
    <value>322010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>731068102</cusip>
    <value>240907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>731068102</cusip>
    <value>52146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>80817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>2253987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51832</Sole>
      <Shared>0</Shared>
      <None>127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>1258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HITACHI LTD</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>433578507</cusip>
    <value>748826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HITACHI LTD</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>433578507</cusip>
    <value>84577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LIQUIDE- UNSPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>009126202</cusip>
    <value>499525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15489</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LIQUIDE- UNSPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>009126202</cusip>
    <value>48665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>118074</sshPrnamt>
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    <votingAuthority>
      <Sole>118074</Sole>
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      <None>0</None>
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      <sshPrnamt>1598</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
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    <cusip>456837103</cusip>
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      <None>0</None>
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    <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
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      <sshPrnamt>2427</sshPrnamt>
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      <Sole>2427</Sole>
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    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
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    <votingAuthority>
      <Sole>16797</Sole>
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    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
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    <cusip>46431W853</cusip>
    <value>13996</value>
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      <sshPrnamt>553</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>553</Sole>
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      <None>0</None>
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      <sshPrnamt>170</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>170</Sole>
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      <sshPrnamt>43045</sshPrnamt>
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      <Sole>42974</Sole>
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      <Sole>492</Sole>
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    <nameOfIssuer>MOLSON COORS BEVERAGE CO</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
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      <sshPrnamt>19986</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19930</Sole>
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    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>4234</value>
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      <sshPrnamt>180</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>180</None>
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    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
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    <votingAuthority>
      <Sole>64955</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
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      <sshPrnamt>41729</sshPrnamt>
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    <votingAuthority>
      <Sole>41701</Sole>
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    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
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      <sshPrnamt>63955</sshPrnamt>
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      <Sole>63955</Sole>
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    <cusip>921946406</cusip>
    <value>11783323</value>
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      <sshPrnamt>92353</sshPrnamt>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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    <cusip>921946406</cusip>
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    <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
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    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
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      <Sole>2258</Sole>
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    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
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    <value>747692</value>
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    <titleOfClass>COM</titleOfClass>
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    <value>4765</value>
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  <infoTable>
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      <Sole>3285</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>03937C105</cusip>
    <value>6346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
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    <cusip>03937C105</cusip>
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    <nameOfIssuer>AXOS FINANCIAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05465C100</cusip>
    <value>6217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>89</Sole>
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  <infoTable>
    <nameOfIssuer>AXOS FINANCIAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05465C100</cusip>
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      <sshPrnamt>10507</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10507</Sole>
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  <infoTable>
    <nameOfIssuer>AXOS FINANCIAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05465C100</cusip>
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      <sshPrnamt>606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>99368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>2146352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>431</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>14905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>20478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>268058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATALYST PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14888U101</cusip>
    <value>5885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATALYST PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14888U101</cusip>
    <value>752800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATALYST PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14888U101</cusip>
    <value>41093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>61641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>619690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10003</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>10346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SR LN ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>1392914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>482480100</cusip>
    <value>45369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>482480100</cusip>
    <value>4327657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6862</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>2724998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>17377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>439531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3273</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>103555195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>771131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>770439</Sole>
      <Shared>0</Shared>
      <None>692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>1704141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>2209152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONTO INNOVATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>683344105</cusip>
    <value>411841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>13892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>190962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74251V102</cusip>
    <value>366689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4737</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74251V102</cusip>
    <value>8438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>109</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>92375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>18199615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>108235</Sole>
      <Shared>0</Shared>
      <None>322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>354411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2069</Sole>
      <Shared>45</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>529540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2134</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>45937661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>189497</Sole>
      <Shared>0</Shared>
      <None>226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>653751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2691</Sole>
      <Shared>9</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78467J100</cusip>
    <value>336312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>1130129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>1297621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>6121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87165B103</cusip>
    <value>35555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>535</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87165B103</cusip>
    <value>3341130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51331</Sole>
      <Shared>0</Shared>
      <None>71</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>40172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>20501855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92819</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>38628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
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      <sshPrnamt>16537</sshPrnamt>
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    <cusip>962166104</cusip>
    <value>704</value>
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      <Sole>5212</Sole>
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      <None>0</None>
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      <sshPrnamt>568</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>568</Sole>
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      <None>0</None>
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    <cusip>054540208</cusip>
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      <sshPrnamt>4685</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4685</Sole>
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      <None>0</None>
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      <sshPrnamt>315</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>315</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3047</Sole>
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      <None>0</None>
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    <cusip>G4474Y214</cusip>
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      <sshPrnamt>2162</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2162</Sole>
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      <None>0</None>
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      <sshPrnamt>408479</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>408285</Sole>
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      <None>194</None>
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    <nameOfIssuer>JANUS HENDERSON GROUP PLC</nameOfIssuer>
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    <cusip>G4474Y214</cusip>
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      <sshPrnamt>4630</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4630</Sole>
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      <None>0</None>
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    <cusip>08579W103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7298</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7298</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC</nameOfIssuer>
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    <cusip>08579W103</cusip>
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      <sshPrnamt>1158</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1158</Sole>
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      <None>0</None>
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    <nameOfIssuer>CBOE GLOBAL MKTS INC</nameOfIssuer>
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      <sshPrnamt>374</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>374</Sole>
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      <None>0</None>
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    <nameOfIssuer>CBOE GLOBAL MKTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>25211</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25184</Sole>
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      <None>27</None>
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    <nameOfIssuer>CBOE GLOBAL MKTS INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <cusip>12621E103</cusip>
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      <sshPrnamt>35</sshPrnamt>
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    <nameOfIssuer>CNO FINL GROUP INC</nameOfIssuer>
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      <sshPrnamt>8922</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>8922</Sole>
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    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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    <cusip>149123101</cusip>
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      <sshPrnamt>2568</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2568</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2110</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2110</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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      <sshPrnamt>244</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>244</Sole>
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      <None>0</None>
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    <nameOfIssuer>EAGLE MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26969P108</cusip>
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      <sshPrnamt>5</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>EAGLE MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>2027</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2027</Sole>
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    <nameOfIssuer>EAGLE MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26969P108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>159</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>320517105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>97</Sole>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320517105</cusip>
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      <sshPrnamt>26719</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26719</Sole>
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      <None>0</None>
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    <nameOfIssuer>GREEN BRICK PARTNERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>392709101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46</Sole>
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  <infoTable>
    <nameOfIssuer>GREEN BRICK PARTNERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>392709101</cusip>
    <value>239568</value>
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      <sshPrnamt>4241</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4241</Sole>
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  <infoTable>
    <nameOfIssuer>GREEN BRICK PARTNERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>392709101</cusip>
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      <sshPrnamt>316</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>316</Sole>
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    <nameOfIssuer>GRIFFON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>398433102</cusip>
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      <sshPrnamt>4489</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>4489</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>78624</value>
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      <sshPrnamt>600</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>469382</value>
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      <sshPrnamt>3582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3532</Sole>
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      <None>50</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>3276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>650111107</cusip>
    <value>1197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>821</Sole>
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      <None>0</None>
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    <votingAuthority>
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      <Sole>6027</Sole>
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      <None>0</None>
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      <sshPrnamt>17747</sshPrnamt>
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    <votingAuthority>
      <Sole>17747</Sole>
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      <sshPrnamt>24</sshPrnamt>
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      <Sole>0</Sole>
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    <votingAuthority>
      <Sole>15804</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>9</Sole>
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      <sshPrnamt>8831</sshPrnamt>
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    <votingAuthority>
      <Sole>8729</Sole>
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      <None>102</None>
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      <sshPrnamt>944665</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>943994</Sole>
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      <None>671</None>
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    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
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      <sshPrnamt>9239</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9239</Sole>
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      <None>0</None>
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    <nameOfIssuer>VISTRA CORP</nameOfIssuer>
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      <sshPrnamt>1335</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1335</Sole>
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      <None>0</None>
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    <nameOfIssuer>VISTRA CORP</nameOfIssuer>
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      <sshPrnamt>210168</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>210027</Sole>
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    <nameOfIssuer>VISTRA CORP</nameOfIssuer>
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      <Sole>1211</Sole>
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    <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
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      <sshPrnamt>12</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12</Sole>
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    <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>8647</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8640</Sole>
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      <None>7</None>
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    <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
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      <sshPrnamt>627</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>627</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ASSICURAZIONI GENERALI S.P.A.</nameOfIssuer>
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    <value>391890</value>
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      <sshPrnamt>27774</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27774</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ASSICURAZIONI GENERALI S.P.A.</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>3985</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3985</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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    <votingAuthority>
      <Sole>9665</Sole>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
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    <votingAuthority>
      <Sole>11018</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>73</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES</nameOfIssuer>
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      <sshPrnamt>192083</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>191878</Sole>
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    <nameOfIssuer>NATIONAL STORAGE AFFILIATES</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>804</Sole>
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    <nameOfIssuer>PDL BIOPHARMA INC COM</nameOfIssuer>
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      <Sole>128396</Sole>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>970</Sole>
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      <sshPrnamt>41604</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>41604</Sole>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2252</Sole>
      <Shared>213</Shared>
      <None>0</None>
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    <nameOfIssuer>AMERIS BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03076K108</cusip>
    <value>5882</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>94</Sole>
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    </votingAuthority>
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  <infoTable>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>9125</Sole>
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    </votingAuthority>
  </infoTable>
  <infoTable>
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      <Sole>642</Sole>
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      <sshPrnamt>88</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ANTERO MIDSTREAM CORP</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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      <Sole>3172</Sole>
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    </votingAuthority>
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      <Sole>5734</Sole>
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  <infoTable>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANNER CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>06652V208</cusip>
    <value>7011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANNER CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>06652V208</cusip>
    <value>656210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9828</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANNER CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>06652V208</cusip>
    <value>48008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BENCHMARK ELECTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>08160H101</cusip>
    <value>3814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BENCHMARK ELECTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>08160H101</cusip>
    <value>357758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BENCHMARK ELECTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>08160H101</cusip>
    <value>27694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>19260Q107</cusip>
    <value>1280485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5129</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>204166102</cusip>
    <value>1510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>204166102</cusip>
    <value>813254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>204166102</cusip>
    <value>57648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGI INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253798102</cusip>
    <value>4625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGI INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253798102</cusip>
    <value>416448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGI INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253798102</cusip>
    <value>36427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>26210C104</cusip>
    <value>1292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DROPBOX INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>26210C104</cusip>
    <value>577582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DROPBOX INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>26210C104</cusip>
    <value>44519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENWORTH FINL INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>37247D106</cusip>
    <value>9269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENWORTH FINL INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>37247D106</cusip>
    <value>745505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>106653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENWORTH FINL INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>37247D106</cusip>
    <value>66475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERDIGITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45867G101</cusip>
    <value>48430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERDIGITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45867G101</cusip>
    <value>2904629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERDIGITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45867G101</cusip>
    <value>193139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>79584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>3422704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34378</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>10147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY GENL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>589400100</cusip>
    <value>2659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY GENL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>589400100</cusip>
    <value>254084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY GENL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>589400100</cusip>
    <value>19678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681116109</cusip>
    <value>2743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681116109</cusip>
    <value>1148208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681116109</cusip>
    <value>84053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68622V106</cusip>
    <value>448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68622V106</cusip>
    <value>432099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68622V106</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CTRY AIRLS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>866683105</cusip>
    <value>212867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>880779103</cusip>
    <value>21076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>880779103</cusip>
    <value>8612226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>186156</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>880779103</cusip>
    <value>117167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>89151E109</cusip>
    <value>775978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>89151E109</cusip>
    <value>91015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <sshPrnamt>21</sshPrnamt>
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      <Sole>21</Sole>
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      <None>0</None>
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    <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36603</Sole>
      <Shared>0</Shared>
      <None>173</None>
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    <nameOfIssuer>WD 40 CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>6838</sshPrnamt>
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    <votingAuthority>
      <Sole>6838</Sole>
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      <None>0</None>
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    <nameOfIssuer>AXALTA COATING SYS LTD</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17351</Sole>
      <Shared>0</Shared>
      <None>103</None>
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      <sshPrnamt>681</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>681</Sole>
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      <None>0</None>
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      <sshPrnamt>41483</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41455</Sole>
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      <None>28</None>
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      <sshPrnamt>26</sshPrnamt>
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      <Sole>26</Sole>
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      <None>0</None>
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      <sshPrnamt>10002</sshPrnamt>
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    <votingAuthority>
      <Sole>10002</Sole>
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      <None>0</None>
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      <sshPrnamt>494</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>494</Sole>
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      <None>0</None>
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    <cusip>29258N206</cusip>
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      <sshPrnamt>36355</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36355</Sole>
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      <None>0</None>
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      <sshPrnamt>5513</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5513</Sole>
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      <None>0</None>
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    <nameOfIssuer>MURPHY USA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
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    <nameOfIssuer>MURPHY USA INC</nameOfIssuer>
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      <sshPrnamt>4786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4786</Sole>
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      <None>0</None>
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    <value>149522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>298</Sole>
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      <None>0</None>
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    <nameOfIssuer>UMB FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>222</Sole>
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      <None>0</None>
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    <nameOfIssuer>UMB FINL CORP</nameOfIssuer>
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    <cusip>902788108</cusip>
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      <sshPrnamt>53599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53567</Sole>
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      <None>32</None>
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    <nameOfIssuer>UMB FINL CORP</nameOfIssuer>
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      <sshPrnamt>587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>587</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITI GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>779</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>779</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITI GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>18040</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18040</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITI GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>4703</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
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      <sshPrnamt>3094</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3094</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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      <sshPrnamt>86877</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>1460</sshPrnamt>
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    <votingAuthority>
      <Sole>1460</Sole>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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      <sshPrnamt>7543</sshPrnamt>
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    <votingAuthority>
      <Sole>7543</Sole>
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      <None>0</None>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
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      <Sole>385</Sole>
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      <None>0</None>
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    <titleOfClass>CL A</titleOfClass>
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      <sshPrnamt>98373</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98284</Sole>
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      <None>89</None>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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      <Sole>1295</Sole>
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      <None>0</None>
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    <nameOfIssuer>ZIFF DAVIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>4261</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4261</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ORANGE</nameOfIssuer>
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    <cusip>684060106</cusip>
    <value>505390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51361</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51361</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>6062</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6062</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>15</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>7003</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7003</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>523</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TD SYNNEX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87162W100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>14</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>87162W100</cusip>
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      <sshPrnamt>16405</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>16405</Sole>
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    <nameOfIssuer>TD SYNNEX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87162W100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>462</Sole>
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  <infoTable>
    <nameOfIssuer>APPLIED INDL TECHNOLOGIES IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03820C105</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>27</Sole>
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  <infoTable>
    <nameOfIssuer>APPLIED INDL TECHNOLOGIES IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03820C105</cusip>
    <value>624779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2609</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2609</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>APPLIED INDL TECHNOLOGIES IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03820C105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>190</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BRUNSWICK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>117043109</cusip>
    <value>1228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BRUNSWICK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>117043109</cusip>
    <value>710186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>117043109</cusip>
    <value>77875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>4297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>1389349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>268588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DISCO CORP</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>25461D100</cusip>
    <value>302820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISCO CORP</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>25461D100</cusip>
    <value>38314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN COVEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>353469109</cusip>
    <value>309020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNOSPEC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45768S105</cusip>
    <value>3742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNOSPEC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45768S105</cusip>
    <value>526636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNOSPEC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45768S105</cusip>
    <value>29606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>414769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>7563449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP QUALITY</titleOfClass>
    <cusip>46137V472</cusip>
    <value>443607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARCUS &amp; MILLICHAP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>566324109</cusip>
    <value>3979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARCUS &amp; MILLICHAP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>566324109</cusip>
    <value>318859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARCUS &amp; MILLICHAP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>566324109</cusip>
    <value>32100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>839</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MTU AERO ENGINES AG</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>62473G102</cusip>
    <value>530342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MTU AERO ENGINES AG</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>62473G102</cusip>
    <value>62461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>377</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MUELLER INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>624756102</cusip>
    <value>7698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MUELLER INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>624756102</cusip>
    <value>720743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9082</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MUELLER INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>624756102</cusip>
    <value>60790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65336K103</cusip>
    <value>790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65336K103</cusip>
    <value>361293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65336K103</cusip>
    <value>25117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANEX BLDG PRODS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747619104</cusip>
    <value>2885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANEX BLDG PRODS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747619104</cusip>
    <value>284677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANEX BLDG PRODS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747619104</cusip>
    <value>19610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>652377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>39219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>626</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROUTS FMRS MKT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85208M102</cusip>
    <value>51210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROUTS FMRS MKT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85208M102</cusip>
    <value>23315571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>183347</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROUTS FMRS MKT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85208M102</cusip>
    <value>236477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1861</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITESTONE REIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>966084204</cusip>
    <value>2225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITESTONE REIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>966084204</cusip>
    <value>208201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITESTONE REIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>966084204</cusip>
    <value>15927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BREAD FINANCIAL HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>018581108</cusip>
    <value>391028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>767318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>403949100</cusip>
    <value>701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>403949100</cusip>
    <value>282473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <shrsOrPrnAmt>
      <sshPrnamt>691</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>691</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>176742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>6804186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>523802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>522320</Sole>
      <Shared>0</Shared>
      <None>1482</None>
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    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>25162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1937</Sole>
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      <None>0</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
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    <value>415193</value>
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      <sshPrnamt>7217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7217</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <value>16540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>294</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>576485205</cusip>
    <value>1584845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28170</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28170</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>576485205</cusip>
    <value>43602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>775</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>79466L302</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>11466</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11453</Sole>
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      <None>13</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>200932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>601</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STANDARD LITHIUM LTD</nameOfIssuer>
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    <cusip>853606101</cusip>
    <value>20338</value>
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      <sshPrnamt>13930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13930</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STERLING INFRASTRUCTURE INC</nameOfIssuer>
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    <cusip>859241101</cusip>
    <value>595809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3537</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
    <cusip>87612G101</cusip>
    <value>33560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>188</Sole>
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      <None>0</None>
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    <nameOfIssuer>TARGA RES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612G101</cusip>
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      <sshPrnamt>52315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52234</Sole>
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      <None>81</None>
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    <nameOfIssuer>TARGA RES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612G101</cusip>
    <value>75327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>422</Sole>
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      <None>0</None>
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    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
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      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48</Sole>
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      <None>0</None>
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    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>23152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23152</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
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      <sshPrnamt>1720</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1720</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>94</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>94</Sole>
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      <None>0</None>
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      <sshPrnamt>5917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5917</Sole>
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      <None>0</None>
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    <nameOfIssuer>ATI INC</nameOfIssuer>
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      <sshPrnamt>621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>621</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAL MAINE FOODS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
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      <sshPrnamt>73</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>73</Sole>
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      <None>0</None>
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      <sshPrnamt>2875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2875</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CAL MAINE FOODS INC</nameOfIssuer>
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      <sshPrnamt>468</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>468</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>12</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>12</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>10537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10537</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC</nameOfIssuer>
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      <sshPrnamt>1600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1600</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>29084Q100</cusip>
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      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>363</Sole>
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    <nameOfIssuer>EMCOR GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29084Q100</cusip>
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      <sshPrnamt>57493</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57453</Sole>
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      <None>40</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>29084Q100</cusip>
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      <sshPrnamt>769</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>769</Sole>
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      <None>0</None>
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    <titleOfClass>CLASS A</titleOfClass>
    <cusip>29977A105</cusip>
    <value>88424</value>
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      <sshPrnamt>319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>319</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10406</Sole>
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  <infoTable>
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    <cusip>29977A105</cusip>
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      <sshPrnamt>415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>415</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
    <value>46984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>447</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
    <value>1181966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11245</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
    <value>6832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>65</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MATSON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57686G105</cusip>
    <value>215475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1598</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609839105</cusip>
    <value>24852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>42</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609839105</cusip>
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      <sshPrnamt>13915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13902</Sole>
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      <None>13</None>
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  <infoTable>
    <nameOfIssuer>NATURAL GROCERS BY VITAMIN C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>63888U108</cusip>
    <value>223860</value>
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      <sshPrnamt>5636</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5636</Sole>
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      <Sole>23</Sole>
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    <votingAuthority>
      <Sole>10464</Sole>
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      <Sole>838</Sole>
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    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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      <sshPrnamt>30932</sshPrnamt>
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      <Sole>30932</Sole>
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      <Sole>21919</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>56</sshPrnamt>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>5819</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>PURE STORAGE INC</nameOfIssuer>
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    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
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    <cusip>78467V400</cusip>
    <value>213478</value>
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      <sshPrnamt>4832</sshPrnamt>
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    <votingAuthority>
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      <Sole>3027</Sole>
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    <votingAuthority>
      <Sole>60273</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>225</Sole>
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      <None>0</None>
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    <votingAuthority>
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      <sshPrnamt>316</sshPrnamt>
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    <votingAuthority>
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    <votingAuthority>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14895</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>107</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>00402L107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9807</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9807</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
      <Sole>345</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>1924</sshPrnamt>
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      <Sole>1924</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36266G107</cusip>
    <value>57385</value>
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    <votingAuthority>
      <Sole>734</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36266G107</cusip>
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      <sshPrnamt>21551</sshPrnamt>
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    <votingAuthority>
      <Sole>21497</Sole>
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  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <nameOfIssuer>INNOVATIVE INDL PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45781V101</cusip>
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    <shrsOrPrnAmt>
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      <Sole>53</Sole>
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    <nameOfIssuer>INNOVATIVE INDL PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45781V101</cusip>
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      <sshPrnamt>4895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4895</Sole>
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      <Sole>318</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MERIT MED SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>589889104</cusip>
    <value>7738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2458</Sole>
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      <Sole>196</Sole>
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      <None>0</None>
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      <Sole>42</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>15480</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>COREBRIDGE FINL INC</nameOfIssuer>
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    <cusip>21871X109</cusip>
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      <None>0</None>
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    <nameOfIssuer>COREBRIDGE FINL INC</nameOfIssuer>
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      <Sole>87447</Sole>
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      <None>220</None>
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      <None>0</None>
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      <None>0</None>
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      <Sole>89</Sole>
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      <None>0</None>
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      <sshPrnamt>8287</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8287</Sole>
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      <None>0</None>
    </votingAuthority>
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    <value>21559</value>
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      <sshPrnamt>624</sshPrnamt>
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      <Sole>624</Sole>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5318</Sole>
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    <nameOfIssuer>PHOTRONICS INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>PHOTRONICS INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18852</Sole>
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    <nameOfIssuer>PHOTRONICS INC</nameOfIssuer>
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    <value>21958</value>
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    <nameOfIssuer>RHEINMETALL AG</nameOfIssuer>
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    <votingAuthority>
      <Sole>4434</Sole>
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  <infoTable>
    <nameOfIssuer>RHEINMETALL AG</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>ABB LTD SPONSORED ADR</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1261</sshPrnamt>
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    <nameOfIssuer>ADOBE INC</nameOfIssuer>
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    <nameOfIssuer>ALLIENT INC</nameOfIssuer>
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      <sshPrnamt>9538</sshPrnamt>
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      <Sole>9538</Sole>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>620</Sole>
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      <None>16</None>
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  <infoTable>
    <nameOfIssuer>CENCORA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>74260</sshPrnamt>
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      <sshPrnamt>139</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY LIM</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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      <sshPrnamt>26479</sshPrnamt>
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    <value>907082</value>
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      <Sole>77396</Sole>
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  <infoTable>
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      <sshPrnamt>7803</sshPrnamt>
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    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>15447</Sole>
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      <None>0</None>
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    <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
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    <cusip>835699307</cusip>
    <value>973318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45998</Sole>
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      <None>0</None>
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    <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
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    <cusip>835699307</cusip>
    <value>120400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5690</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G3223R108</cusip>
    <value>36246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G3223R108</cusip>
    <value>2159533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5958</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>G3223R108</cusip>
    <value>28634</value>
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      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>79</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST BANCSHARES INC MISS COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>318916103</cusip>
    <value>700000</value>
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      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STELLAR BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>858927106</cusip>
    <value>631303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TANGER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>875465106</cusip>
    <value>40444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1185</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TANGER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>875465106</cusip>
    <value>2681943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>78393</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TANGER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>875465106</cusip>
    <value>49762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1458</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CELSIUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>15118V207</cusip>
    <value>606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CELSIUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>15118V207</cusip>
    <value>263926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10020</Sole>
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      <None>0</None>
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    <nameOfIssuer>CELSIUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>15118V207</cusip>
    <value>26682</value>
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      <sshPrnamt>1013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1013</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>HLTH CARE ALPH</titleOfClass>
    <cusip>33734X143</cusip>
    <value>728910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ABERCROMBIE &amp; FITCH CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>002896207</cusip>
    <value>1195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ABERCROMBIE &amp; FITCH CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>002896207</cusip>
    <value>323746</value>
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      <sshPrnamt>2166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2166</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>B3 S.A. - BRASIL, BOLSA, BALCAO</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>11778E106</cusip>
    <value>317735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61103</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61103</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>B3 S.A. - BRASIL, BOLSA, BALCAO</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>11778E106</cusip>
    <value>44044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8470</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8470</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CENTRAL PAC FINL CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>154760409</cusip>
    <value>9122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>314</Sole>
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      <None>0</None>
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    <nameOfIssuer>CENTRAL PAC FINL CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>154760409</cusip>
    <value>812417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27966</Sole>
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      <None>0</None>
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    <titleOfClass>COM NEW</titleOfClass>
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    <value>51157</value>
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      <sshPrnamt>1761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1761</Sole>
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      <None>0</None>
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    <nameOfIssuer>CORPAY INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>219948106</cusip>
    <value>39595</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>117</Sole>
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      <None>0</None>
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    <nameOfIssuer>CORPAY INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>219948106</cusip>
    <value>16487498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48682</Sole>
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      <None>37</None>
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    <titleOfClass>COM SHS</titleOfClass>
    <cusip>219948106</cusip>
    <value>27750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
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    <votingAuthority>
      <Sole>82</Sole>
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      <None>0</None>
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    <nameOfIssuer>CROWN HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>228368106</cusip>
    <value>340931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4123</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4123</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DATADOG INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>23804L103</cusip>
    <value>568846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DATADOG INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>23804L103</cusip>
    <value>14432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EZCORP INC</nameOfIssuer>
    <titleOfClass>CL A NON VTG</titleOfClass>
    <cusip>302301106</cusip>
    <value>6012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EZCORP INC</nameOfIssuer>
    <titleOfClass>CL A NON VTG</titleOfClass>
    <cusip>302301106</cusip>
    <value>552323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>CL A NON VTG</titleOfClass>
    <cusip>302301106</cusip>
    <value>41243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3375</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>ENHANCED MID</titleOfClass>
    <cusip>31609A503</cusip>
    <value>1667138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50750</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GIBRALTAR INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>374689107</cusip>
    <value>4182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>71</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GIBRALTAR INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>374689107</cusip>
    <value>283552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4814</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GIBRALTAR INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>374689107</cusip>
    <value>28979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42226A107</cusip>
    <value>2590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42226A107</cusip>
    <value>1186044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12361</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42226A107</cusip>
    <value>90001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>938</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KANZHUN LIMITED</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>48553T106</cusip>
    <value>272136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KANZHUN LIMITED</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>48553T106</cusip>
    <value>36308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2631</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP</nameOfIssuer>
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    <votingAuthority>
      <Sole>9954</Sole>
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      <None>0</None>
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      <Sole>281</Sole>
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      <None>0</None>
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    <votingAuthority>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14474</Sole>
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      <None>0</None>
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      <Sole>2094</Sole>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>698</Sole>
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    <votingAuthority>
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      <Sole>2322</Sole>
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    <nameOfIssuer>RELIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>RELIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>4713129</value>
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    <votingAuthority>
      <Sole>17504</Sole>
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      <None>0</None>
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    <nameOfIssuer>RELIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
      <Sole>643</Sole>
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      <None>0</None>
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    <nameOfIssuer>UPBOUND GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>76009N100</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10580</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRI POINTE HOMES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
      <Sole>5779</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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      <None>0</None>
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      <Sole>278</Sole>
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      <sshPrnamt>1941</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1941</Sole>
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      <None>0</None>
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    <nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>
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    <cusip>G48833118</cusip>
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      <sshPrnamt>23</sshPrnamt>
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    <cusip>03783C100</cusip>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>302</Sole>
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    <nameOfIssuer>CLEARWAY ENERGY INC</nameOfIssuer>
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    <cusip>18539C204</cusip>
    <value>36582</value>
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      <sshPrnamt>1407</sshPrnamt>
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      <None>0</None>
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    <titleOfClass>CL C</titleOfClass>
    <cusip>18539C204</cusip>
    <value>1528020</value>
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      <sshPrnamt>58770</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58627</Sole>
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      <None>143</None>
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    <nameOfIssuer>EATON VANCE TAX ADVT DIV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828G107</cusip>
    <value>256445</value>
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      <sshPrnamt>10663</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10663</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>12170</value>
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      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>37</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>660822</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>25328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>77</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>25019</value>
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      <sshPrnamt>150</sshPrnamt>
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      <Sole>150</Sole>
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      <None>0</None>
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    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>1358840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>51872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INDEPENDENT BANK GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45384B106</cusip>
    <value>253295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4175</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>435554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1796</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>44237776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>184452</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>1938774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8088</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8004</Sole>
      <Shared>84</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE FINL CO LLC</nameOfIssuer>
    <titleOfClass>CAL LKD 44</titleOfClass>
    <cusip>48133Q309</cusip>
    <value>1457203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49380</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49380</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MITSUBISHI ELECTRIC CORP.</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>606776201</cusip>
    <value>311934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9205</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9205</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MITSUBISHI ELECTRIC CORP.</nameOfIssuer>
    <titleOfClass>FOREIGN STOCK</titleOfClass>
    <cusip>606776201</cusip>
    <value>45748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1350</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PATRICK INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>703343103</cusip>
    <value>208447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>20961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>1260939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4211</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPS COMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78463M107</cusip>
    <value>219502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1193</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STRIDE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>86333M108</cusip>
    <value>338084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FABRINET</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G3323L100</cusip>
    <value>1760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FABRINET</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G3323L100</cusip>
    <value>678115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3084</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FERROVIAL SE</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>N3168P101</cusip>
    <value>449680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10699</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FERROVIAL SE</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>N3168P101</cusip>
    <value>66407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1580</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STEVANATO GROUP S P A</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>T9224W109</cusip>
    <value>210995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9683</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9683</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STEVANATO GROUP S P A</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>T9224W109</cusip>
    <value>27695</value>
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      <sshPrnamt>1271</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1271</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>219484</value>
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      <sshPrnamt>22170</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22170</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEW YORK LIFE INVESTMENTS ET</nameOfIssuer>
    <titleOfClass>NYLI HEDGE MULTI</titleOfClass>
    <cusip>45409B107</cusip>
    <value>213337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6792</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6792</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEW YORK LIFE INVESTMENTS ET</nameOfIssuer>
    <titleOfClass>NYLI HEDGE MULTI</titleOfClass>
    <cusip>45409B107</cusip>
    <value>771461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24561</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24561</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MIZUHO FINANCIAL GROUP INC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>60687Y109</cusip>
    <value>123619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25280</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25280</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>QUALYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74758T303</cusip>
    <value>1065110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7596</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7565</Sole>
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      <None>31</None>
    </votingAuthority>
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    <nameOfIssuer>TOLL BROTHERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>889478103</cusip>
    <value>10958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>87</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>889478103</cusip>
    <value>515266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4091</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4067</Sole>
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      <None>24</None>
    </votingAuthority>
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    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>014491104</cusip>
    <value>236313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13321</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13321</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN AXLE &amp; MFG HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>024061103</cusip>
    <value>125303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21493</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21493</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BGC GROUP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>088929104</cusip>
    <value>312379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34479</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>122017106</cusip>
    <value>1425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>122017106</cusip>
    <value>308137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1081</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUOLINGO INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>26603R106</cusip>
    <value>1945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>26603R106</cusip>
    <value>434790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPARFUMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458334109</cusip>
    <value>3814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPARFUMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458334109</cusip>
    <value>362840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2759</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPARFUMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458334109</cusip>
    <value>24855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>189</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEDIATRIX MEDICAL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58502B106</cusip>
    <value>159617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHWEST BANCSHARES INC MD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>667340103</cusip>
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