<SEC-DOCUMENT>0001104659-19-054589.txt : 20191017
<SEC-HEADER>0001104659-19-054589.hdr.sgml : 20191017
<ACCEPTANCE-DATETIME>20191017131819
ACCESSION NUMBER:		0001104659-19-054589
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190930
FILED AS OF DATE:		20191017
DATE AS OF CHANGE:		20191017
EFFECTIVENESS DATE:		20191017

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:		191154737

	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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<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0000883948</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2019</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2019</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <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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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-16124</form13FFileNumber>
      <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>10-17-2019</signatureDate>
    </signatureBlock>
    <summaryPage>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>109</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12036</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>95</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>816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19953</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>2797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1610</Sole>
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      <None>1</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>271</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>
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  <infoTable>
    <nameOfIssuer>AMAZON INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>2731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1573</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1573</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>3873</value>
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      <sshPrnamt>32748</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32595</Sole>
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      <None>153</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1844</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>313</value>
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      <sshPrnamt>2645</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2645</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN NATIONAL BANKSHARES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>027745108</cusip>
    <value>474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2192</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>035710409</cusip>
    <value>123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13976</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1910</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>48</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>
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  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1452</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLE COMPUTER, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>10298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45599</Sole>
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      <None>380</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>8796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39229</Sole>
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      <None>44</None>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>1022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4407</Sole>
      <Shared>157</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARCOSA INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>039653100</cusip>
    <value>485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14167</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24568</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>1641</value>
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      <sshPrnamt>88044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>87875</Sole>
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      <None>169</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASSOCIATED BANC-CORP PFD SER E</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>045487204</cusip>
    <value>563</value>
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      <sshPrnamt>21100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp; T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>390</value>
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      <sshPrnamt>10296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10296</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8502</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC PFD</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>00206R300</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>4960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>130835</Sole>
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      <None>235</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04911A107</cusip>
    <value>2730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73299</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04911A107</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>250</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>1571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9733</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1623</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>308</Sole>
      <Shared>46</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>B B &amp; T  CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>054937107</cusip>
    <value>8611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>161168</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>1429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48908</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>064058100</cusip>
    <value>618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP PFD SER LL</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>06055H202</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>1600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>53508</Sole>
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      <None>1340</None>
    </votingAuthority>
  </infoTable>
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      <Sole>690</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL</nameOfIssuer>
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    <nameOfIssuer>CARDINAL HEALTH INC.</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CHESAPEAKE COURT ASSOCIATES,</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CHESAPEAKE VILLAGE ASSOCIATE</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CHEVRON CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CHUBB LTD.</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CORNING INC.</nameOfIssuer>
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      <Sole>46706</Sole>
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    <nameOfIssuer>CVS HEALTH CORP.</nameOfIssuer>
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      <Sole>3141</Sole>
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      <Sole>2130</Sole>
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    <value>24</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS, INC.</nameOfIssuer>
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    <nameOfIssuer>DIAGEO P L C</nameOfIssuer>
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    <cusip>25243Q205</cusip>
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      <sshPrnamt>17105</sshPrnamt>
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      <Sole>17064</Sole>
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  <infoTable>
    <nameOfIssuer>DIAGEO P L C</nameOfIssuer>
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      <sshPrnamt>605</sshPrnamt>
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    <nameOfIssuer>DIGITAL REALTY TRUST INC.</nameOfIssuer>
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    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
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      <sshPrnamt>34098</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34035</Sole>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
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      <Sole>3916</Sole>
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      <None>94</None>
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    <votingAuthority>
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    <votingAuthority>
      <Sole>11568</Sole>
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      <None>0</None>
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      <Sole>11964</Sole>
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    <votingAuthority>
      <Sole>5950</Sole>
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      <None>0</None>
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      <sshPrnamt>40619</sshPrnamt>
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      <Sole>40520</Sole>
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    <votingAuthority>
      <Sole>3630</Sole>
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      <None>0</None>
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    <value>91</value>
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      <sshPrnamt>945</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>945</Sole>
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      <None>0</None>
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    <cusip>26441C204</cusip>
    <value>1214</value>
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      <sshPrnamt>12661</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>12551</Sole>
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      <None>110</None>
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    <nameOfIssuer>DUKE ENERGY CORP PFD</nameOfIssuer>
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    <value>234</value>
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      <sshPrnamt>8525</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8525</Sole>
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      <None>0</None>
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    <value>888</value>
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      <sshPrnamt>12450</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12427</Sole>
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      <None>23</None>
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    <value>129</value>
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      <sshPrnamt>1803</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1613</Sole>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>888</value>
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      <sshPrnamt>12448</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12349</Sole>
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      <None>99</None>
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    <nameOfIssuer>E PFD ALCON AG</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H01301128</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4797</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4776</Sole>
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      <None>21</None>
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    <nameOfIssuer>EASTMAN CHEMICAL COMPANY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1268</value>
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      <sshPrnamt>17174</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16994</Sole>
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      <None>180</None>
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    <nameOfIssuer>EATON CORP. PLC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39460</Sole>
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      <None>590</None>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC.</nameOfIssuer>
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    <value>585</value>
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      <sshPrnamt>2953</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2798</Sole>
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      <None>155</None>
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    <nameOfIssuer>EDGEWATER WIRELESS SYS INC</nameOfIssuer>
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    <cusip>00B46LQ17</cusip>
    <value>1</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15666</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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    <value>1869</value>
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      <sshPrnamt>16711</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>16671</Sole>
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      <None>40</None>
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  <infoTable>
    <nameOfIssuer>EMERSON ELECTRIC CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>671</value>
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      <sshPrnamt>10038</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10038</Sole>
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      <None>0</None>
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    <nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>1231</value>
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      <sshPrnamt>16592</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16207</Sole>
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      <None>385</None>
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    <nameOfIssuer>ERIE INDTY CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
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    <value>26553</value>
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      <sshPrnamt>143025</sshPrnamt>
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    <votingAuthority>
      <Sole>143025</Sole>
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      <None>0</None>
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    <nameOfIssuer>ESTEE LAUDER</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22568</Sole>
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      <None>195</None>
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    <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>191</value>
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      <sshPrnamt>2239</sshPrnamt>
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    <votingAuthority>
      <Sole>2239</Sole>
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      <None>0</None>
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    <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
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      <sshPrnamt>630</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>630</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXELON CORP</nameOfIssuer>
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      <sshPrnamt>4172</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4172</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>67531</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67286</Sole>
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      <None>245</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14460</Sole>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>228</value>
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      <sshPrnamt>3231</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3231</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>4473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>63233</Sole>
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      <None>115</None>
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  <infoTable>
    <nameOfIssuer>FACEBOOK, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30303M102</cusip>
    <value>1949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10942</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10652</Sole>
      <Shared>0</Shared>
      <None>290</None>
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  <infoTable>
    <nameOfIssuer>FIRST DEFIANCE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32006W106</cusip>
    <value>232</value>
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      <sshPrnamt>8000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>3254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36243</Sole>
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      <None>91</None>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>109</value>
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      <sshPrnamt>1220</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1047</Sole>
      <Shared>173</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369604103</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48688</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48688</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MILLS, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4133</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4133</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <value>175</value>
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      <sshPrnamt>1755</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>857</value>
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      <sshPrnamt>13525</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>21600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>21600</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>GOODLOE ASPHALT L C-30 PERCENT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>416515104</cusip>
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      <sshPrnamt>40012</sshPrnamt>
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      <Sole>40012</Sole>
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      <None>0</None>
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      <sshPrnamt>1</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTEPRISE CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42824C109</cusip>
    <value>472</value>
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      <sshPrnamt>31095</sshPrnamt>
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      <Sole>31095</Sole>
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      <None>0</None>
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    <nameOfIssuer>HOLLYFRONTIER CORP</nameOfIssuer>
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      <sshPrnamt>6275</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6275</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HOLLYFRONTIER CORPORATION</nameOfIssuer>
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      <sshPrnamt>41966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>41966</Sole>
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      <None>0</None>
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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>5734</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5734</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>735</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>3335</value>
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      <sshPrnamt>14372</sshPrnamt>
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    <votingAuthority>
      <Sole>14304</Sole>
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    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
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      <sshPrnamt>37014</sshPrnamt>
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      <None>240</None>
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  <infoTable>
    <nameOfIssuer>HORACE MANN EDUCATORS CORP.</nameOfIssuer>
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    <value>505</value>
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      <sshPrnamt>10900</sshPrnamt>
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      <Sole>10900</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HP INC.</nameOfIssuer>
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      <Sole>95078</Sole>
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      <None>0</None>
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    <nameOfIssuer>HSBC HOLDINGS PLC SER A PFD</nameOfIssuer>
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      <sshPrnamt>10350</sshPrnamt>
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    <votingAuthority>
      <Sole>10350</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IBM</nameOfIssuer>
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      <Sole>29362</Sole>
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      <None>25</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5379</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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      <sshPrnamt>489</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>489</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN TOWER REIT</nameOfIssuer>
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      <Sole>1011</Sole>
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    <nameOfIssuer>INDEPENDENCE REALTY TRUST</nameOfIssuer>
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      <Sole>47650</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INDEPENDENCE REALTY TRUST, INC.</nameOfIssuer>
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      <Sole>7183</Sole>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
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      <Sole>95862</Sole>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHINE</nameOfIssuer>
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      <Sole>3031</Sole>
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      <None>0</None>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>962</Sole>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287507</cusip>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287655</cusip>
    <value>707</value>
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      <sshPrnamt>4669</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4669</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CRE U S REIT ET</titleOfClass>
    <cusip>464288521</cusip>
    <value>17512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315253</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>314363</Sole>
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      <None>890</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464288521</cusip>
    <value>1189</value>
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      <sshPrnamt>21409</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20311</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TP200 GR ET</titleOfClass>
    <cusip>464289438</cusip>
    <value>39915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>458479</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>457525</Sole>
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      <None>954</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TP200 GR ET</titleOfClass>
    <cusip>464289438</cusip>
    <value>1695</value>
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      <sshPrnamt>19474</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19076</Sole>
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    <nameOfIssuer>J.P. MORGAN CHASE &amp; CO.</nameOfIssuer>
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      <sshPrnamt>2330</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2330</Sole>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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      <sshPrnamt>36625</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36513</Sole>
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      <None>112</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5133</Sole>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>54074</Sole>
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      <None>80</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <cusip>478160104</cusip>
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      <sshPrnamt>2745</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2745</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JP MORGAN CHASE &amp; CO 5.75 PERCENT</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>48128B655</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>21625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21625</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JP MORGAN CHASE &amp; CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>8746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>73875</Sole>
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      <None>435</None>
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  <infoTable>
    <nameOfIssuer>JP MORGAN CHASE PFD SER P</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>46637G124</cusip>
    <value>862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>33875</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>6051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51217</Sole>
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      <None>199</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4142</Sole>
      <Shared>341</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KELLOGG CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>487836108</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5045</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1917</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>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>100</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</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>1012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7122</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS ELECTRS ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500472303</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>L3 HARRIS TECNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4250</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>1721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINCOLN NATIONAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>534187109</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7988</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINCOLN NATIONAL CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>534187109</cusip>
    <value>2163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35856</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G5494J103</cusip>
    <value>1440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7432</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>2633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6734</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>716</Sole>
      <Shared>32</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOWES COMPANIES INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>2476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22133</Sole>
      <Shared>0</Shared>
      <None>385</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>6138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55536</Sole>
      <Shared>0</Shared>
      <None>284</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5068</Sole>
      <Shared>575</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETROLEUM CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>570535104</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN CO'S INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
    <value>418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>574599106</cusip>
    <value>1550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36218</Sole>
      <Shared>0</Shared>
      <None>975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>4119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19164</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1810</Sole>
      <Shared>240</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALD'S CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>3363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15594</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4161</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2844</sshPrnamt>
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    <votingAuthority>
      <Sole>2753</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>2002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23781</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23781</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
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    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>4180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49659</sshPrnamt>
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    <votingAuthority>
      <Sole>49509</Sole>
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      <None>150</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>4636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98305</sshPrnamt>
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      <None>170</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
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    <votingAuthority>
      <Sole>9515</Sole>
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      <None>0</None>
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    <value>428</value>
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    <votingAuthority>
      <Sole>15600</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>43648</sshPrnamt>
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    <votingAuthority>
      <Sole>42953</Sole>
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      <None>695</None>
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      <sshPrnamt>55490</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55279</Sole>
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      <None>211</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7132</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6789</Sole>
      <Shared>343</Shared>
      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>9067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65216</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>64832</Sole>
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      <None>384</None>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>2803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50043</Sole>
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      <None>620</None>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>2708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48950</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48854</Sole>
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      <None>96</None>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2124</Sole>
      <Shared>306</Shared>
      <None>0</None>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>617446448</cusip>
    <value>1289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29396</Sole>
      <Shared>0</Shared>
      <None>820</None>
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  <infoTable>
    <nameOfIssuer>NATIONAL RETAIL PPTYS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>637417106</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6975</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEW MEDIA INVESTMENT GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64704V106</cusip>
    <value>121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13750</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEW MEDIA INVESTMENT GROUP INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64704V106</cusip>
    <value>341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>38650</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEW RESIDENTIAL INVESTMENT CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64828T201</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10300</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9600</Sole>
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      <None>700</None>
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    <nameOfIssuer>NEW YORK CMNTY BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>649445103</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30492</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWMARKET CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>651587107</cusip>
    <value>432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>915</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEWPORT NEWS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>999012691</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3785</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3785</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>4353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18685</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18491</Sole>
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      <None>194</None>
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    <nameOfIssuer>NIKE INC CLASS B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>654106103</cusip>
    <value>5227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55650</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>55230</Sole>
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      <None>420</None>
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    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2118</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2118</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>72</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>
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  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>2840</value>
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      <sshPrnamt>15810</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15723</Sole>
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      <None>87</None>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
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    <nameOfIssuer>NOVARTIS A G</nameOfIssuer>
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    <cusip>66987V109</cusip>
    <value>3070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35332</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35150</Sole>
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      <None>182</None>
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  <infoTable>
    <nameOfIssuer>NOVARTIS A G</nameOfIssuer>
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    <cusip>66987V109</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1845</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1736</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NOVARTIS ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>66987V109</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3050</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPONSORED ADR</nameOfIssuer>
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    <cusip>66987V109</cusip>
    <value>2491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28667</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28562</Sole>
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      <None>105</None>
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  <infoTable>
    <nameOfIssuer>OLD REPUBLIC INTERNATIONAL COR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680223104</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16243</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16243</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OLD REPUBLIC INTERNATIONAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680223104</cusip>
    <value>2121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89994</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>89494</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>ONE LIBERTY PROPERTIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682406103</cusip>
    <value>2317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84149</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>83599</Sole>
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      <None>550</None>
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  <infoTable>
    <nameOfIssuer>ONE LIBERTY PROPERTIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682406103</cusip>
    <value>675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24535</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24535</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>4182</value>
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      <None>1080</None>
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      <sshPrnamt>6650</sshPrnamt>
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      <Sole>6650</Sole>
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      <None>0</None>
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    <value>64</value>
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      <sshPrnamt>11000</sshPrnamt>
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    <votingAuthority>
      <Sole>11000</Sole>
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      <None>0</None>
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      <sshPrnamt>15187</sshPrnamt>
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    <votingAuthority>
      <Sole>14912</Sole>
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      <None>275</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>16081</sshPrnamt>
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    <votingAuthority>
      <Sole>16045</Sole>
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      <None>36</None>
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    <value>211</value>
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      <Sole>1170</Sole>
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      <None>0</None>
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    <cusip>701094104</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5776</Sole>
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      <None>220</None>
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      <sshPrnamt>38681</sshPrnamt>
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    <votingAuthority>
      <Sole>38635</Sole>
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      <None>46</None>
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    <value>830</value>
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      <sshPrnamt>6055</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4985</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEPSICO INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>6096</value>
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      <sshPrnamt>44461</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>44371</Sole>
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      <None>90</None>
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    <nameOfIssuer>PFD SER DD KLA-TENCOR CORP</nameOfIssuer>
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    <cusip>482480100</cusip>
    <value>2977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18671</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18196</Sole>
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      <None>475</None>
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    <cusip>717081103</cusip>
    <value>3448</value>
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      <sshPrnamt>95952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95513</Sole>
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      <None>439</None>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>502</value>
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      <sshPrnamt>13985</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13721</Sole>
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      <None>0</None>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13169</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13169</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PFIZER INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>6611</value>
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      <sshPrnamt>183997</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>182967</Sole>
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      <None>1030</None>
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    <nameOfIssuer>PHEUMA RESPIRATORY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69290A903</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2942</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2942</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>2822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37105</Sole>
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      <None>61</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4037</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>2326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30638</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30623</Sole>
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      <None>15</None>
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    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
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    <cusip>718546104</cusip>
    <value>1541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15051</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14939</Sole>
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      <None>112</None>
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    <nameOfIssuer>PHYSCIANS REALTY TRUST</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>71943U104</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16275</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16275</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHYSICIANS REALTY TRUST</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>71943U104</cusip>
    <value>376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21200</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21200</Sole>
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      <None>0</None>
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    <nameOfIssuer>PITNEY BOWES INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724479100</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52650</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>52650</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2395</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2395</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>2232</value>
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      <sshPrnamt>15927</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15906</Sole>
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      <None>21</None>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>330</value>
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      <sshPrnamt>2357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2322</Sole>
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      <None>0</None>
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    <nameOfIssuer>PREFERRED APARTMENT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74039L103</cusip>
    <value>1871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129455</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>128455</Sole>
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      <None>1000</None>
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  <infoTable>
    <nameOfIssuer>PREFERRED APARTMENT COMMUNITIE</nameOfIssuer>
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    <cusip>74039L103</cusip>
    <value>617</value>
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      <sshPrnamt>42715</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42715</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5982</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5982</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
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    <cusip>742718109</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1031</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIS</titleOfClass>
    <cusip>74348A467</cusip>
    <value>449</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>2313</value>
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      <sshPrnamt>25715</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25666</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>129</value>
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      <sshPrnamt>1433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1390</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>365</value>
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      <sshPrnamt>4060</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4060</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>5285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69283</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>68969</Sole>
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      <None>314</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3917</Sole>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4790</Sole>
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      <None>50</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>755111507</cusip>
    <value>4008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20427</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20388</Sole>
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      <None>39</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>755111507</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1180</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>755111507</cusip>
    <value>545</value>
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      <sshPrnamt>2780</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2780</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RENAISSANCERE HOLDINGS LTD SER</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>G7498P119</cusip>
    <value>507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20100</sshPrnamt>
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    <value>69</value>
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    <nameOfIssuer>VORNADO REALTY TR SER L PFD</nameOfIssuer>
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    <nameOfIssuer>WALT DISNEY CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
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      <Sole>49525</Sole>
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    <nameOfIssuer>WEAVER BROS., INCORPORATED OF</nameOfIssuer>
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    <cusip>999012358</cusip>
    <value>1528</value>
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</SEC-DOCUMENT>
