<SEC-DOCUMENT>0001104659-20-003651.txt : 20200114
<SEC-HEADER>0001104659-20-003651.hdr.sgml : 20200114
<ACCEPTANCE-DATETIME>20200114091141
ACCESSION NUMBER:		0001104659-20-003651
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20191231
FILED AS OF DATE:		20200114
DATE AS OF CHANGE:		20200114
EFFECTIVENESS DATE:		20200114

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:		20525080

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

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140424
</SEC-HEADER>
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<SEQUENCE>1
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        <credentials>
          <cik>0000883948</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2019</periodOfReport>
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        <name>Atlantic Union Bankshares Corp</name>
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          <ns1:street2>Suite 1200</ns1:street2>
          <ns1:city>Richmond</ns1:city>
          <ns1:stateOrCountry>VA</ns1:stateOrCountry>
          <ns1:zipCode>23219</ns1:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Judy Thompson</name>
      <title>SVP &amp; Trust Support Services Manager</title>
      <phone>804-327-7588</phone>
      <signature>/s/ Judy Thompson</signature>
      <city>Richmond</city>
      <stateOrCountry>VA</stateOrCountry>
      <signatureDate>01-14-2020</signatureDate>
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    <votingAuthority>
      <Sole>1543</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALLSTATE CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>1788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15682</Sole>
      <Shared>0</Shared>
      <None>215</None>
    </votingAuthority>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>1256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>938</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
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    <cusip>02079K305</cusip>
    <value>146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
    <titleOfClass>ALERIAN MLP</titleOfClass>
    <cusip>00162Q866</cusip>
    <value>1648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>193373</Sole>
      <Shared>0</Shared>
      <None>490</None>
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  <infoTable>
    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
    <titleOfClass>ALERIAN MLP</titleOfClass>
    <cusip>00162Q866</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12183</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>116</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>904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>2910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1574</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>288</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>2944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>4048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32372</Sole>
      <Shared>0</Shared>
      <None>148</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1844</Sole>
      <Shared>89</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2645</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN NATIONAL BANKSHARES INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>027745108</cusip>
    <value>529</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>AMERICAN TOWER REIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1231</Sole>
      <Shared>0</Shared>
      <None>105</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>30</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>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2492</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>035710409</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13200</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>569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1885</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>60</value>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>439</value>
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      <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>13192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>44545</Sole>
      <Shared>0</Shared>
      <None>380</None>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>10794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36714</Sole>
      <Shared>0</Shared>
      <None>44</None>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>1324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4352</Sole>
      <Shared>157</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARCOSA INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>039653100</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>1636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>87575</Sole>
      <Shared>0</Shared>
      <None>169</None>
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    <nameOfIssuer>ASSOCIATED BANC-CORP PFD SER E</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>045487204</cusip>
    <value>564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21100</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>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10296</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>630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16109</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>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8302</Sole>
      <Shared>800</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC PFD</nameOfIssuer>
    <titleOfClass>PFD STK</titleOfClass>
    <cusip>00206R300</cusip>
    <value>453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17000</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>4872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>124526</Sole>
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      <None>150</None>
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  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04911A107</cusip>
    <value>2700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71893</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04911A107</cusip>
    <value>66</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>1659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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      <Sole>163</Sole>
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    <nameOfIssuer>CABLE ONE INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <value>299</value>
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    <nameOfIssuer>CATERPILLAR, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1646</value>
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      <None>95</None>
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    <nameOfIssuer>CHESAPEAKE COURT ASSOCIATES,</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>16490A902</cusip>
    <value>1041</value>
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      <Sole>1</Sole>
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    <nameOfIssuer>CHESAPEAKE VILLAGE ASSOCIATE</nameOfIssuer>
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    <cusip>16490A910</cusip>
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      <None>0</None>
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    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
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    <titleOfClass>COM</titleOfClass>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CHUBB LTD.</nameOfIssuer>
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    <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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      <Sole>45844</Sole>
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    <nameOfIssuer>CSX CORP.</nameOfIssuer>
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    <votingAuthority>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP.</nameOfIssuer>
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      <Sole>9514</Sole>
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    <votingAuthority>
      <Sole>3281</Sole>
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      <sshPrnamt>2248</sshPrnamt>
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    <votingAuthority>
      <Sole>2248</Sole>
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  <infoTable>
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    <value>22</value>
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      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS, INC.</nameOfIssuer>
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      <sshPrnamt>14236</sshPrnamt>
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    <nameOfIssuer>DIAGEO P L C</nameOfIssuer>
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    <cusip>25243Q205</cusip>
    <value>2926</value>
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      <sshPrnamt>17374</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17333</Sole>
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      <None>41</None>
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  <infoTable>
    <nameOfIssuer>DIAGEO P L C</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
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      <sshPrnamt>624</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>525</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIGITAL REALTY TRUST INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>12600</Sole>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>34185</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34122</Sole>
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  <infoTable>
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      <sshPrnamt>2113</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2008</Sole>
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    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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    <nameOfIssuer>ECOLAB INC.</nameOfIssuer>
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    <nameOfIssuer>EDGEWATER WIRELESS SYS INC</nameOfIssuer>
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    <nameOfIssuer>EXXON MOBIL CORP.</nameOfIssuer>
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    <nameOfIssuer>FIRST DEFIANCE FINL CORP</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>35963</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>47838</sshPrnamt>
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    <nameOfIssuer>GENERAL MILLS, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>4014</sshPrnamt>
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    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>36002</Sole>
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    <nameOfIssuer>GILEAD SCIENCES INC.</nameOfIssuer>
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    <nameOfIssuer>GOODLOE ASPHALT L C-30 PERCENT</nameOfIssuer>
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    <nameOfIssuer>INDEPENDENCE REALTY TRUST</nameOfIssuer>
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    <nameOfIssuer>INDEPENDENCE REALTY TRUST, INC.</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>J.P. MORGAN CHASE &amp; CO.</nameOfIssuer>
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      <None>0</None>
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    <votingAuthority>
      <Sole>42225</Sole>
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      <None>695</None>
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    <votingAuthority>
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      <None>131</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
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    <votingAuthority>
      <Sole>6877</Sole>
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      <Sole>64935</Sole>
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      <None>384</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>226</value>
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      <sshPrnamt>4100</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4100</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL, INC.</nameOfIssuer>
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    <cusip>609207105</cusip>
    <value>2956</value>
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      <sshPrnamt>53671</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>53051</Sole>
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      <None>620</None>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
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    <cusip>609207105</cusip>
    <value>2798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50795</sshPrnamt>
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    <votingAuthority>
      <Sole>50699</Sole>
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      <None>96</None>
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    <cusip>609207105</cusip>
    <value>177</value>
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      <sshPrnamt>3211</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2905</Sole>
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      <None>0</None>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>617446448</cusip>
    <value>1536</value>
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      <sshPrnamt>30049</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29087</Sole>
      <Shared>0</Shared>
      <None>962</None>
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    <nameOfIssuer>NATIONAL RETAIL PPTYS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>637417106</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6875</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6875</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEW RESIDENTIAL INVESTMENT CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64828T201</cusip>
    <value>166</value>
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      <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>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28302</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28302</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NEWMARKET CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>651587107</cusip>
    <value>415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>853</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>853</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3746</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>4487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18531</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18337</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>5639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55662</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>55242</Sole>
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      <None>420</None>
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    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2076</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2076</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>78</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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    <cusip>655844108</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15264</Sole>
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      <None>87</None>
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    <cusip>665859856</cusip>
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    <votingAuthority>
      <Sole>10500</Sole>
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      <None>0</None>
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    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>35647</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35470</Sole>
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      <None>177</None>
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    <nameOfIssuer>NOVARTIS A G</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1845</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1736</Sole>
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    <nameOfIssuer>NOVARTIS ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
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    <value>289</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>3050</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>66987V109</cusip>
    <value>2714</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28562</Sole>
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      <None>105</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
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      <sshPrnamt>900</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
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      <None>0</None>
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    <nameOfIssuer>OLD REPUBLIC INTERNATIONAL COR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680223104</cusip>
    <value>352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15743</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15743</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>1974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88232</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>87732</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>2298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84499</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>83949</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>651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23935</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>4005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75591</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>74511</Sole>
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      <None>1080</None>
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    <nameOfIssuer>OSHKOSH CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>688239201</cusip>
    <value>629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6650</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OWENS &amp; MINOR INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>690732102</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
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      <None>0</None>
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    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>3499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15130</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14855</Sole>
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      <None>275</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PARKER HANNIFIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>701094104</cusip>
    <value>3280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15936</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15900</Sole>
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      <None>36</None>
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  <infoTable>
    <nameOfIssuer>PARKER HANNIFIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>701094104</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1170</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>701094104</cusip>
    <value>1208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5869</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5649</Sole>
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      <None>220</None>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>5404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39541</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39495</Sole>
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      <None>46</None>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
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      <sshPrnamt>17946</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>1765</sshPrnamt>
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    <votingAuthority>
      <Sole>1765</Sole>
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      <None>0</None>
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    <value>513</value>
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      <sshPrnamt>1</sshPrnamt>
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      <None>0</None>
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    <cusip>81369Y506</cusip>
    <value>248</value>
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      <sshPrnamt>4136</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>6720</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>25</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>75</sshPrnamt>
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      <sshPrnamt>4360</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>675</sshPrnamt>
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  <infoTable>
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    <votingAuthority>
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    <cusip>78463V107</cusip>
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    <votingAuthority>
      <Sole>30993</Sole>
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      <None>76</None>
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    <cusip>78463V107</cusip>
    <value>257</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1697</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36934</Sole>
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      <None>0</None>
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    <cusip>78463X509</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2379</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2379</Sole>
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    <value>200</value>
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      <sshPrnamt>7777</sshPrnamt>
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    <cusip>78462F103</cusip>
    <value>1184</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <sshPrnamt>16336</sshPrnamt>
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    <votingAuthority>
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    <votingAuthority>
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    <cusip>H84989104</cusip>
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      <Sole>21059</Sole>
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    <votingAuthority>
      <Sole>1080</Sole>
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  <infoTable>
    <nameOfIssuer>TELEFLEX INC.</nameOfIssuer>
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      <sshPrnamt>7530</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC, INC.</nameOfIssuer>
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    <nameOfIssuer>TJX COS. INC. NEW</nameOfIssuer>
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    <nameOfIssuer>VORNADO REALTY TR SER L PFD</nameOfIssuer>
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    <nameOfIssuer>WEAVER BROS., INCORPORATED OF NEWPORT NEWS</nameOfIssuer>
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      <Sole>7330</Sole>
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</SEC-DOCUMENT>
