<SEC-DOCUMENT>0001144204-19-035493.txt : 20190723
<SEC-HEADER>0001144204-19-035493.hdr.sgml : 20190723
<ACCEPTANCE-DATETIME>20190723111520
ACCESSION NUMBER:		0001144204-19-035493
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190630
FILED AS OF DATE:		20190723
DATE AS OF CHANGE:		20190723
EFFECTIVENESS DATE:		20190723

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlantic Union Bankshares Corp
		CENTRAL INDEX KEY:			0000883948
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				540412820
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-16124
		FILM NUMBER:		19967101

	BUSINESS ADDRESS:	
		STREET 1:		1051 EAST CARY STREET
		STREET 2:		SUITE 1200
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219
		BUSINESS PHONE:		800-990-4828

	MAIL ADDRESS:	
		STREET 1:		1051 EAST CARY STREET
		STREET 2:		SUITE 1200
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140430

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNION FIRST MARKET BANKSHARES CORP
		DATE OF NAME CHANGE:	20140424

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140424
</SEC-HEADER>
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<SEQUENCE>1
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          <cik>0000883948</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2019</periodOfReport>
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      <filingManager>
        <name>Atlantic Union Bankshares Corp</name>
        <address>
          <ns1:street1>1051 East Cary Street</ns1:street1>
          <ns1:street2>Suite 1200</ns1:street2>
          <ns1:city>Richmond</ns1:city>
          <ns1:stateOrCountry>VA</ns1:stateOrCountry>
          <ns1:zipCode>23219</ns1:zipCode>
        </address>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Judy Thompson</name>
      <title>SVP &amp; Trust Support Services Manager</title>
      <phone>804-327-7588</phone>
      <signature>/s/ Judy Thompson</signature>
      <city>Richmond</city>
      <stateOrCountry>VA</stateOrCountry>
      <signatureDate>07-23-2019</signatureDate>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1543</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>1625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15833</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>1047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>3276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1729</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>141</Sole>
      <Shared>15</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMAZON INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>2956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>4168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33611</Sole>
      <Shared>0</Shared>
      <None>153</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1894</Sole>
      <Shared>89</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN NATIONAL BANKSHARES INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>027745108</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN TOWER REIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1036</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANADARKO PETROLEUM CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032511107</cusip>
    <value>489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6696</Sole>
      <Shared>0</Shared>
      <None>240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>035710409</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13976</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANWORTH MORTGAGE ASSET CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037347101</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE COMPUTER, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>9026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45288</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>8003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40392</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4422</Sole>
      <Shared>157</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCOSA INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>039653100</cusip>
    <value>504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25768</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>1572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>87459</Sole>
      <Shared>0</Shared>
      <None>169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSOCIATED BANC-CORP PFD SER E</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>045487204</cusip>
    <value>537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp; T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21462</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8802</Sole>
      <Shared>1192</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC PFD</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>00206R300</cusip>
    <value>474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>4310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>128371</Sole>
      <Shared>0</Shared>
      <None>235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04911A107</cusip>
    <value>2644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04911A107</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>250</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>1609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CHESAPEAKE COURT ASSOCIATES,</nameOfIssuer>
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      <sshPrnamt>51558</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51421</Sole>
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    <value>5447</value>
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      <sshPrnamt>43772</sshPrnamt>
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      <None>582</None>
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      <sshPrnamt>60216</sshPrnamt>
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    <votingAuthority>
      <Sole>35411</Sole>
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      <None>0</None>
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    <nameOfIssuer>CITY OFFICE REIT, INC.</nameOfIssuer>
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      <sshPrnamt>131405</sshPrnamt>
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    <votingAuthority>
      <Sole>131405</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
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      <sshPrnamt>1580</sshPrnamt>
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    <votingAuthority>
      <Sole>1580</Sole>
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      <None>0</None>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
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    <value>321</value>
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      <sshPrnamt>6299</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6124</Sole>
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      <None>175</None>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
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    <cusip>191216100</cusip>
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      <sshPrnamt>4958</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4958</Sole>
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      <None>0</None>
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    <nameOfIssuer>COCA COLA COMPANY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>39178</Sole>
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      <None>0</None>
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    <nameOfIssuer>COGNIZANT TECH SOLUTIONS CORP CL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>192446102</cusip>
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      <sshPrnamt>3566</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>3241</Sole>
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      <None>325</None>
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    <nameOfIssuer>COLGATE-PALMOLIVE CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>857</value>
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      <sshPrnamt>11952</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11952</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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    <cusip>20030N101</cusip>
    <value>398</value>
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      <sshPrnamt>9423</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9423</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer>
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      <sshPrnamt>57969</sshPrnamt>
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      <Sole>57615</Sole>
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    <nameOfIssuer>COMMUNITIES, INC. PROCTER &amp; GAMBLE CO</nameOfIssuer>
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    <cusip>742718109</cusip>
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      <sshPrnamt>24026</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>23836</Sole>
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    <nameOfIssuer>CONDUENT INCORPORATED</nameOfIssuer>
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    <votingAuthority>
      <Sole>20095</Sole>
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      <None>0</None>
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    <value>281</value>
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      <sshPrnamt>3201</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3201</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>53</value>
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      <sshPrnamt>600</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21036P108</cusip>
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    <votingAuthority>
      <Sole>6055</Sole>
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      <None>145</None>
    </votingAuthority>
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    <nameOfIssuer>CORNING INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71524</Sole>
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      <None>275</None>
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    <nameOfIssuer>CORNING INC</nameOfIssuer>
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      <sshPrnamt>7143</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6562</Sole>
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    </votingAuthority>
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    <nameOfIssuer>CORNING INC</nameOfIssuer>
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    <value>269</value>
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      <sshPrnamt>8100</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>906</value>
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      <sshPrnamt>27270</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27270</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13143</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13120</Sole>
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      <None>23</None>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>51</value>
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      <sshPrnamt>1711</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1521</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>12044</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11944</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>1868</value>
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      <sshPrnamt>7070</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7070</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CROWN CASTLE INTL CORP NEW</nameOfIssuer>
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    <cusip>22822V101</cusip>
    <value>6419</value>
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      <sshPrnamt>49241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49044</Sole>
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      <None>197</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CROWN CASTLE INTL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22822V101</cusip>
    <value>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2875</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3167</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1768</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>349</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4200</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3950</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>2340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>42722</Sole>
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      <None>230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>1381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>DUPONT DE NEMOURS INC.</nameOfIssuer>
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      <None>100</None>
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      <None>115</None>
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      <None>600</None>
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      <Sole>16026</Sole>
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      <None>40</None>
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      <Sole>10038</Sole>
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    <nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
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      <Sole>2541</Sole>
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      <sshPrnamt>68084</sshPrnamt>
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    <nameOfIssuer>GOODLOE ASPHALT L C-30 PERCENT</nameOfIssuer>
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    <nameOfIssuer>HOME DEPOT, INC.</nameOfIssuer>
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    <nameOfIssuer>HORACE MANN EDUCATORS CORP.</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>HP INC.</nameOfIssuer>
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      <Sole>96214</Sole>
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    <nameOfIssuer>IBM</nameOfIssuer>
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    <nameOfIssuer>INDEPENDENCE REALTY TRUST</nameOfIssuer>
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      <sshPrnamt>51550</sshPrnamt>
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      <Sole>51550</Sole>
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  <infoTable>
    <nameOfIssuer>INDEPENDENCE REALTY TRUST, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1949</value>
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    <cusip>456237106</cusip>
    <value>211</value>
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      <Sole>10137</Sole>
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    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHINE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>432</value>
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      <Sole>3131</Sole>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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    <nameOfIssuer>IRON MOUNTAIN INC.</nameOfIssuer>
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    <nameOfIssuer>J.P. MORGAN CHASE &amp; CO.</nameOfIssuer>
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    <nameOfIssuer>JP MORGAN CHASE &amp; CO.</nameOfIssuer>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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    <nameOfIssuer>KIMBERLY CLARK CORP.</nameOfIssuer>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
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    <nameOfIssuer>NATIONAL RETAIL PPTYS INC.</nameOfIssuer>
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    <nameOfIssuer>NEWMARKET CORP.</nameOfIssuer>
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  <infoTable>
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      <None>500</None>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>OWENS &amp; MINOR INC.</nameOfIssuer>
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      <sshPrnamt>11280</sshPrnamt>
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      <Sole>11280</Sole>
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      <Sole>14818</Sole>
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      <None>190</None>
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      <Sole>5717</Sole>
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      <Sole>96372</Sole>
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      <sshPrnamt>14085</sshPrnamt>
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    <votingAuthority>
      <Sole>13821</Sole>
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      <Sole>13919</Sole>
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    <nameOfIssuer>PFIZER INC.</nameOfIssuer>
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      <Sole>185392</Sole>
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    <nameOfIssuer>PHEUMA RESPIRATORY</nameOfIssuer>
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    <value>200</value>
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    <votingAuthority>
      <Sole>2942</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38608</Sole>
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      <None>61</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>30113</Sole>
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      <Sole>14489</Sole>
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    <value>284</value>
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    <nameOfIssuer>PHYSICIANS REALTY TRUST</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
    <cusip>724479100</cusip>
    <value>257</value>
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      <Sole>60108</Sole>
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    <cusip>693475105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2595</sshPrnamt>
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      <Sole>27966</Sole>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2969</sshPrnamt>
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      <Sole>2898</Sole>
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  <infoTable>
    <nameOfIssuer>PREFERRED APARTMENT</nameOfIssuer>
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      <Sole>124655</Sole>
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    <nameOfIssuer>PREFERRED APARTMENT COMMUNITIE</nameOfIssuer>
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    <votingAuthority>
      <Sole>45215</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7268</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7268</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1356</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1156</Sole>
      <Shared>200</Shared>
      <None>0</None>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIS</titleOfClass>
    <cusip>T74348A46</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6279</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6279</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>2555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25301</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25252</Sole>
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      <None>49</None>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>114</value>
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      <sshPrnamt>1132</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1089</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>5691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74819</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74505</Sole>
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      <None>314</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4395</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4020</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>456</value>
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      <sshPrnamt>6000</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5950</Sole>
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      <None>50</None>
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    <nameOfIssuer>RAYTHEON CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>755111507</cusip>
    <value>2289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13166</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13141</Sole>
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      <None>25</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>755111507</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>765</Sole>
      <Shared>44</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYTHEON CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>755111507</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2380</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2380</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RED HAT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756577102</cusip>
    <value>3558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18799</Sole>
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      <None>150</None>
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    <nameOfIssuer>RENAISSANCERE HOLDINGS LTD SER</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>G7498P119</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20100</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20100</Sole>
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      <None>0</None>
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    <nameOfIssuer>RODGERS FAMILY INVESTMENTS</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>77487A909</cusip>
    <value>1084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC A ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780259206</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4363</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4363</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROYCE VALUE TRUST INC (FUND)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780910105</cusip>
    <value>630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45283</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45283</Sole>
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      <None>0</None>
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    <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>803607100</cusip>
    <value>380</value>
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      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCE TRUST II TR PFD</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>78407R204</cusip>
    <value>1068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47012</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>806857108</cusip>
    <value>1433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36069</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>35549</Sole>
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      <None>520</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7578</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7578</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>628</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCOTTISH HILLS ASSOC LLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81013A904</cusip>
    <value>513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SENIOR HSG PPTYS TR SH BEN INT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81721M109</cusip>
    <value>159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19276</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19276</Sole>
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      <None>0</None>
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    <nameOfIssuer>SNYDER-HUNT CO LLP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83344A900</cusip>
    <value>1525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SNYDER-HUNT CO LLP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83344B908</cusip>
    <value>4575</value>
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      <sshPrnamt>75</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4335</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>675</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SOUTHERN CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9950</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9950</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG M</titleOfClass>
    <cusip>K78463X50</cusip>
    <value>1311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36632</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36632</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG M</titleOfClass>
    <cusip>K78463X50</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1681</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1681</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>1122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3830</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3830</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO LR ET</titleOfClass>
    <cusip>F78464A85</cusip>
    <value>538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15564</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15564</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>2341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27920</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27816</Sole>
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      <None>104</None>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3412</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>3651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43551</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43076</Sole>
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      <None>475</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>858119100</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STRYKER CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2660</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SUNTRUST BANKS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>867914103</cusip>
    <value>1809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28616</Sole>
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      <None>170</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SUNTRUST BKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>867914103</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3563</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SUNTRUST BKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>867914103</cusip>
    <value>175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2791</sshPrnamt>
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</SEC-DOCUMENT>
