<SEC-DOCUMENT>0001104659-24-082231.txt : 20240724
<SEC-HEADER>0001104659-24-082231.hdr.sgml : 20240724
<ACCEPTANCE-DATETIME>20240724121225
ACCESSION NUMBER:		0001104659-24-082231
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240630
FILED AS OF DATE:		20240724
DATE AS OF CHANGE:		20240724
EFFECTIVENESS DATE:		20240724

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlantic Union Bankshares Corp
		CENTRAL INDEX KEY:			0000883948
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		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:		241137106

	BUSINESS ADDRESS:	
		STREET 1:		4300 COX ROAD
		CITY:			GLEN ALLEN
		STATE:			VA
		ZIP:			23060
		BUSINESS PHONE:		800-990-4828

	MAIL ADDRESS:	
		STREET 1:		4300 COX ROAD
		CITY:			GLEN ALLEN
		STATE:			VA
		ZIP:			23060

	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
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        <credentials>
          <cik>0000883948</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2024</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2024</reportCalendarOrQuarter>
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          <ns1:city>Glen Allen</ns1:city>
          <ns1:stateOrCountry>VA</ns1:stateOrCountry>
          <ns1:zipCode>23060</ns1:zipCode>
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    <signatureBlock>
      <name>Kimberly Thayer</name>
      <title>Chief Compliance Officer - Trust</title>
      <phone>804-774-2075-7845</phone>
      <signature>/s/ Kimberly Thayer</signature>
      <city>Richmond</city>
      <stateOrCountry>VA</stateOrCountry>
      <signatureDate>07-24-2024</signatureDate>
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    <nameOfIssuer>MSCI INC COM</nameOfIssuer>
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    <nameOfIssuer>LINDE PLC SHS</nameOfIssuer>
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    <nameOfIssuer>ARCOSA INC COM</nameOfIssuer>
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    <nameOfIssuer>JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF</nameOfIssuer>
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    <cusip>46641Q654</cusip>
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    <votingAuthority>
      <Sole>4471</Sole>
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      <None>0</None>
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    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP COM</nameOfIssuer>
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    <votingAuthority>
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      <None>274220</None>
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    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer>
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      <sshPrnamt>7593</sshPrnamt>
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    <votingAuthority>
      <Sole>7593</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORFOLK SOUTHN CORP COM</nameOfIssuer>
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    <nameOfIssuer>NORFOLK SOUTHN CORP COM</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>UDR INC COM</nameOfIssuer>
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    <nameOfIssuer>UDR INC COM</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR SHS</nameOfIssuer>
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      <Sole>22424</Sole>
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    <nameOfIssuer>BLACKROCK CORE BD TR SHS BEN INT</nameOfIssuer>
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      <Sole>23256</Sole>
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      <None>0</None>
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    <nameOfIssuer>WELLTOWER INC COM</nameOfIssuer>
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      <None>0</None>
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      <Shared>3173</Shared>
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    <nameOfIssuer>DOW INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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      <Sole>81491</Sole>
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    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
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    <cusip>922908363</cusip>
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      <sshPrnamt>164</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
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      <sshPrnamt>2509</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>AGREE RLTY CORP COM</nameOfIssuer>
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    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
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    <cusip>464289438</cusip>
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    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
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    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
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    <cusip>46137V357</cusip>
    <value>24971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
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    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
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      <sshPrnamt>2649</sshPrnamt>
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    <nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer>
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    <nameOfIssuer>ABRDN LIFE SCIENCES INVESTORS SH BEN INT</nameOfIssuer>
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    <nameOfIssuer>ELI LILLY &amp; CO COM</nameOfIssuer>
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    <nameOfIssuer>AIR PRODS &amp; CHEMS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>INVESCO BULLETSHARES 2029 CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J577</cusip>
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      <sshPrnamt>13579</sshPrnamt>
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    <cusip>46138J577</cusip>
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      <sshPrnamt>630868</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHARES 2024 MUNICIPAL BOND ETF</nameOfIssuer>
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    <cusip>46138J536</cusip>
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      <sshPrnamt>5623</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHARES 2024 MUNICIPAL BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J536</cusip>
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      <sshPrnamt>68491</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD RUSSELL 1000 GROWTH ETF</nameOfIssuer>
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    <votingAuthority>
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    <votingAuthority>
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      <Shared>9607</Shared>
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    <votingAuthority>
      <Sole>124412</Sole>
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      <None>0</None>
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    <nameOfIssuer>ABRDN HEALTHCARE INVESTORS SH BEN INT</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
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      <Shared>5930</Shared>
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    <nameOfIssuer>INVESCO BULLETSHARES 2026 MUNICIPAL BOND ETF</nameOfIssuer>
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    <cusip>46138J510</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
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    <cusip>464287655</cusip>
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      <sshPrnamt>1985</sshPrnamt>
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    <votingAuthority>
      <Sole>1985</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF</nameOfIssuer>
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    <cusip>46138J494</cusip>
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      <sshPrnamt>9945</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF</nameOfIssuer>
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    <cusip>46138J494</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125162</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
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    <votingAuthority>
      <Sole>10089</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES IBONDS DEC 2024 TERM TREASURY ETF</nameOfIssuer>
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    <cusip>46436E874</cusip>
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      <sshPrnamt>9510</sshPrnamt>
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    <nameOfIssuer>ISHARES IBONDS DEC 2024 TERM TREASURY ETF</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>350576</Sole>
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      <None>0</None>
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    <nameOfIssuer>CARRIER GLOBAL CORPORATION COM</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION COM</nameOfIssuer>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>AFLAC INC COM</nameOfIssuer>
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    <nameOfIssuer>JPMORGAN EQUITY PREMIUM INCOME ETF</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>INVESCO BULLETSHARES 2029 MUNICIPAL BOND ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
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      <sshPrnamt>939</sshPrnamt>
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    <votingAuthority>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ERIE INDTY CO CL A</nameOfIssuer>
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    <nameOfIssuer>VANGUARD MID-CAP GROWTH ETF</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2557</sshPrnamt>
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    <votingAuthority>
      <Sole>2557</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>12297</sshPrnamt>
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    <votingAuthority>
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    </votingAuthority>
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    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
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    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer>
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      <Sole>6696</Sole>
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    <nameOfIssuer>BLACKROCK INC COM</nameOfIssuer>
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    <nameOfIssuer>CBRE GROUP INC CL A</nameOfIssuer>
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    <nameOfIssuer>CBRE GROUP INC CL A</nameOfIssuer>
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    <nameOfIssuer>VANGUARD TAX-EXEMPT BOND ETF</nameOfIssuer>
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      <Sole>5542</Sole>
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    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
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    <nameOfIssuer>BOOKING HOLDINGS INC COM</nameOfIssuer>
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    <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC COM</nameOfIssuer>
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    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
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    <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
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    <cusip>G1151C101</cusip>
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    <nameOfIssuer>LINDE PLC NVP</nameOfIssuer>
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    <cusip>G54950103</cusip>
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    <nameOfIssuer>LINDE PLC NVP</nameOfIssuer>
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    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
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    <nameOfIssuer>CHUBB LTD SWITZERLAND</nameOfIssuer>
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    <cusip>H1467J104</cusip>
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      <Sole>8804</Sole>
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    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
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      <sshPrnamt>9458</sshPrnamt>
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    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
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      <sshPrnamt>102</sshPrnamt>
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    <nameOfIssuer>ASML HOLDING NV</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>ASML HOLDING NV</nameOfIssuer>
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    <nameOfIssuer>NXP SEMICONDUCTORS</nameOfIssuer>
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    <cusip>N6596X109</cusip>
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      <sshPrnamt>21960</sshPrnamt>
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    <nameOfIssuer>NXP SEMICONDUCTORS</nameOfIssuer>
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    <value>58389</value>
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      <sshPrnamt>217</sshPrnamt>
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    <nameOfIssuer>AFLAC INC</nameOfIssuer>
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    <votingAuthority>
      <Sole>4884</Sole>
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    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
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    <value>8092017</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47179</Sole>
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    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
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    <nameOfIssuer>ADOBE SYSTEM INC</nameOfIssuer>
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    <value>1751011</value>
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    <votingAuthority>
      <Sole>3152</Sole>
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      <None>0</None>
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    <nameOfIssuer>AIR PRODUCTS AND CHEMICALS  INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>009158106</cusip>
    <value>319180</value>
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      <sshPrnamt>1237</sshPrnamt>
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    <votingAuthority>
      <Sole>1237</Sole>
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    <nameOfIssuer>AIR PRODUCTS AND CHEMICALS  INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <nameOfIssuer>ALPHABET INC. CLASS C</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>ALPHABET INC. CLASS C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <value>93175</value>
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    <nameOfIssuer>ALPHABET INC. CLASS A</nameOfIssuer>
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    <value>1401445</value>
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    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>02209S103</cusip>
    <value>855771</value>
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    <votingAuthority>
      <Sole>18792</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>023135106</cusip>
    <value>10211853</value>
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      <sshPrnamt>52843</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52843</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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      <Sole>420</Sole>
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    <nameOfIssuer>AVANTIS US SMALL CAP        EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>025072323</cusip>
    <value>552437</value>
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    <votingAuthority>
      <Sole>11063</Sole>
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      <None>8</None>
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    <nameOfIssuer>AMERICAN ELECTRIC POWER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>025537101</cusip>
    <value>507463</value>
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    <votingAuthority>
      <Sole>5784</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERIPRISE FINANCIAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03076C106</cusip>
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      <Sole>2046</Sole>
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    <nameOfIssuer>AMETEK INC NEW              COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031100100</cusip>
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      <Sole>29814</Sole>
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    <nameOfIssuer>AMETEK INC NEW              COM</nameOfIssuer>
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    <votingAuthority>
      <Sole>349</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <value>623918</value>
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    <votingAuthority>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032654105</cusip>
    <value>5318582</value>
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    <votingAuthority>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
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    <nameOfIssuer>ELEVANCE HEALTH INC         (FORMERLY ANTHEM)</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>036752103</cusip>
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    <nameOfIssuer>ELEVANCE HEALTH INC         (FORMERLY ANTHEM)</nameOfIssuer>
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    <cusip>036752103</cusip>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <value>23676732</value>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <value>157752</value>
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    <nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>437978</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>1856</Sole>
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    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>040413106</cusip>
    <value>772781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2205</sshPrnamt>
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    <votingAuthority>
      <Sole>2205</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC NPV ADR</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>046353108</cusip>
    <value>359970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4616</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4616</Sole>
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      <None>0</None>
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    <nameOfIssuer>ATLANTIC UNION BANKSHARES   CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>04911A107</cusip>
    <value>4711545</value>
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      <sshPrnamt>143470</sshPrnamt>
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    <votingAuthority>
      <Sole>143470</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>052769106</cusip>
    <value>1144917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4627</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4627</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053332102</cusip>
    <value>975179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>329</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>329</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>2371964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59643</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>59643</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC      DEL CL B NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>10102122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24834</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24834</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC      DEL CL B NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>119188</value>
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      <sshPrnamt>293</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>293</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09247X101</cusip>
    <value>865238</value>
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      <sshPrnamt>1099</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1099</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
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    <value>2277853</value>
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      <sshPrnamt>575</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
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    <cusip>11135F101</cusip>
    <value>6194087</value>
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      <sshPrnamt>3858</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3858</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
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    <value>48165</value>
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      <sshPrnamt>30</sshPrnamt>
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    <votingAuthority>
      <Sole>30</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROOKFIELD CORP             NVP</nameOfIssuer>
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    <cusip>11271J107</cusip>
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      <sshPrnamt>89182</sshPrnamt>
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    <votingAuthority>
      <Sole>89182</Sole>
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    <nameOfIssuer>BROOKFIELD CORP             NVP</nameOfIssuer>
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    <cusip>11271J107</cusip>
    <value>39793</value>
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      <sshPrnamt>958</sshPrnamt>
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    <votingAuthority>
      <Sole>958</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROOKFIELD RENEWABLE CORP</nameOfIssuer>
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    <value>262776</value>
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      <sshPrnamt>9260</sshPrnamt>
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    <votingAuthority>
      <Sole>9260</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT LTD   CLASS A VOTING SHA</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>RE1130041</cusip>
    <value>804972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21163</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT LTD   CLASS A VOTING SHA</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>RE1130041</cusip>
    <value>8482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>223</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>326136</value>
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      <sshPrnamt>1659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1659</Sole>
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      <None>0</None>
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    <nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
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    <cusip>126408103</cusip>
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      <sshPrnamt>25244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25244</Sole>
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      <None>0</None>
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    <nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>126650100</cusip>
    <value>573516</value>
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      <sshPrnamt>9711</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9711</Sole>
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      <None>0</None>
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    <nameOfIssuer>CADENCE DESIGN SYSTEMS INC</nameOfIssuer>
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    <cusip>127387108</cusip>
    <value>1298377</value>
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      <sshPrnamt>4219</sshPrnamt>
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    <votingAuthority>
      <Sole>4219</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHEMED CORPORATON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>16359R103</cusip>
    <value>1745406</value>
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      <sshPrnamt>3217</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3217</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHEMED CORPORATON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>16359R103</cusip>
    <value>9223</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>5020333</value>
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      <sshPrnamt>32096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32096</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>25495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>163</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>2107269</value>
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      <sshPrnamt>44364</sshPrnamt>
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    <votingAuthority>
      <Sole>44364</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>172967424</cusip>
    <value>407081</value>
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      <sshPrnamt>6416</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6416</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>191216100</cusip>
    <value>1517134</value>
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      <sshPrnamt>23836</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23836</Sole>
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      <None>0</None>
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    <nameOfIssuer>COLGATE PALMOLIVE COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
    <value>760984</value>
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    <votingAuthority>
      <Sole>7842</Sole>
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      <None>0</None>
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    <nameOfIssuer>COLGATE PALMOLIVE COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20030N101</cusip>
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      <sshPrnamt>6428</sshPrnamt>
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    <votingAuthority>
      <Sole>6428</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20030N101</cusip>
    <value>6498</value>
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      <Sole>166</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20825C104</cusip>
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    <votingAuthority>
      <Sole>13512</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSTELLATION BRANDS        CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>21036P108</cusip>
    <value>3183639</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12375</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSTELLATION BRANDS        CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>21036P108</cusip>
    <value>23925</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>93</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22160K105</cusip>
    <value>2792177</value>
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    <votingAuthority>
      <Sole>3285</Sole>
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      <None>0</None>
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    <nameOfIssuer>COSTAR GROUP, INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22160N109</cusip>
    <value>513921</value>
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    <votingAuthority>
      <Sole>6933</Sole>
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    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>23331A109</cusip>
    <value>1606154</value>
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      <Sole>11397</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DEERE &amp; CO.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>244199105</cusip>
    <value>425553</value>
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      <sshPrnamt>1139</sshPrnamt>
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    <votingAuthority>
      <Sole>1139</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DIAGEO PLC SPON ADR NEW</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>1441415</value>
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      <sshPrnamt>11433</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11433</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC SPON ADR NEW</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>10464</value>
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      <sshPrnamt>83</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>83</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>254709108</cusip>
    <value>877850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6711</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6711</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP             NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>256677105</cusip>
    <value>1958254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14810</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14810</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP             NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>256677105</cusip>
    <value>9388</value>
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      <sshPrnamt>71</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>294147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6003</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6003</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOW HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260557103</cusip>
    <value>669714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12627</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12627</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26441C204</cusip>
    <value>1132068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>992803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7888</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278642103</cusip>
    <value>542286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>291011104</cusip>
    <value>679224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC NPV</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>29250N105</cusip>
    <value>657639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC NPV</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>29250N105</cusip>
    <value>5907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2622856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS (FORMERLY    FACEBOOK INC)</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>10422404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20671</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS (FORMERLY    FACEBOOK INC)</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>53445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY MSCI INFO TECH</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>316092808</cusip>
    <value>491914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2868</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>34959E109</cusip>
    <value>493947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8196</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>366651107</cusip>
    <value>213744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>658511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
    <value>1081001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15756</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>1200984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3489</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>27882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>3533541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>30535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOOKER FURNITURE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>439038100</cusip>
    <value>197507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANKSHARES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
    <value>411178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WORKS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>659210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>1722918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>16841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>999553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2247</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHS 2031</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46138J429</cusip>
    <value>1636339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>102595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHS 2030</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46138J460</cusip>
    <value>2190373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>134795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHS 2029</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46138J577</cusip>
    <value>1143929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHS 2027</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46138J783</cusip>
    <value>857574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHS 2026</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46138J791</cusip>
    <value>710383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37059</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHS 2025</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46138J825</cusip>
    <value>855046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHS 2032</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46139W858</cusip>
    <value>2421684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>I SHARES TR S &amp; P 500 INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287200</cusip>
    <value>636961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>I SHARES TR S &amp; P 500 INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287200</cusip>
    <value>1074739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 7-10 YEAR TRES ETF</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464287440</cusip>
    <value>328420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3507</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 7-10 YEAR TRES ETF</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464287440</cusip>
    <value>23412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YR TREASURY BOND</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464287457</cusip>
    <value>384154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>464287465</cusip>
    <value>5476908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>69921</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>I SHARES TR RUSSEL MIDCAP   INDEX FD</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287499</cusip>
    <value>1490324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18367</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P SMALLCAP</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287804</cusip>
    <value>454476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NATIONAL MUNI BD</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464288414</cusip>
    <value>600834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INTERMED GOVT/CREDITBOND</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464288612</cusip>
    <value>595927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 3-7 YEAR TREASURY   BOND</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464288661</cusip>
    <value>202409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 3-7 YEAR TREASURY   BOND</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>464288661</cusip>
    <value>24364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200     GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464289438</cusip>
    <value>518485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2413</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>46432F842</cusip>
    <value>384935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF ISHARES TTL CORE US BND</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46434V613</cusip>
    <value>461685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2033</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46436E148</cusip>
    <value>3953420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>164797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2024</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46436E874</cusip>
    <value>1259197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>9272880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>73217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN EQUITY PREMIUM     INCOME ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>46641Q332</cusip>
    <value>359458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6335</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>1745409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11942</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>32447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABCORP HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>504922105</cusip>
    <value>264154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>526057104</cusip>
    <value>1131343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>1672234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>684260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>4203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COMPANY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>548661107</cusip>
    <value>6093397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COMPANY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>548661107</cusip>
    <value>59082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>56585A102</cusip>
    <value>1251448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC            FORMERLY MARKEL CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>RP5705351</cusip>
    <value>3092907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1963</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC            FORMERLY MARKEL CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>RP5705351</cusip>
    <value>39389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>7443402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16873</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>55583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>734677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>11467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>6770509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>87774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>709</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER-TOLEDO INTL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>592688105</cusip>
    <value>550638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>594918104</cusip>
    <value>24980363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55891</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>594918104</cusip>
    <value>203807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>609207105</cusip>
    <value>720867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY DEAN WITTER  DISCOVER &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>617446448</cusip>
    <value>289990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2984</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
    <value>3580263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
    <value>16498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>232505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>2107719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>9154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR</nameOfIssuer>
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    <nameOfIssuer>NUVEEN VIRGINIA PREMIUM     INCOME MUN FUND</nameOfIssuer>
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    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
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    <cusip>67066G104</cusip>
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    <nameOfIssuer>OLD DOMINION FREIGHT LINES</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>679580100</cusip>
    <value>631158</value>
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    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68902V107</cusip>
    <value>712502</value>
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    <votingAuthority>
      <Sole>7402</Sole>
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    <nameOfIssuer>PNC BANK CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>2035771</value>
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    <nameOfIssuer>PNC BANK CORP</nameOfIssuer>
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    <cusip>693475105</cusip>
    <value>18345</value>
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    <nameOfIssuer>PAYCHEX INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704326107</cusip>
    <value>569656</value>
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    <votingAuthority>
      <Sole>4805</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
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      <Sole>23956</Sole>
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    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>9236</value>
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    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
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    <votingAuthority>
      <Sole>10274</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
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    <votingAuthority>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>742718109</cusip>
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    <votingAuthority>
      <Sole>35871</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>742718109</cusip>
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      <None>0</None>
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    <nameOfIssuer>PROLOGIS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCKS REITS DTC</titleOfClass>
    <cusip>74340W103</cusip>
    <value>229986</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2048</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>3055773</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15342</Sole>
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      <None>0</None>
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    <nameOfIssuer>RTX CORPORATION (FORMERLY   RAYTHEON TECH)</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>75513E101</cusip>
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      <Sole>49140</Sole>
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      <None>0</None>
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    <nameOfIssuer>RTX CORPORATION (FORMERLY   RAYTHEON TECH)</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>75513E101</cusip>
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      <None>0</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>75886F107</cusip>
    <value>456141</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>434</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROPER INDS INC NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>776696106</cusip>
    <value>5094175</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9038</Sole>
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    <nameOfIssuer>ROPER INDS INC NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>776696106</cusip>
    <value>33818</value>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78409V104</cusip>
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      <Sole>8812</Sole>
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      <None>0</None>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78409V104</cusip>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF TR         TR UNIT</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>78462F103</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24940</Sole>
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      <None>0</None>
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    <nameOfIssuer>SALESFORCE INC (FORMERLY    SALESFORCE.COM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
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    <votingAuthority>
      <Sole>3141</Sole>
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      <None>0</None>
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    <nameOfIssuer>STARBUCKS CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>545232</value>
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    <votingAuthority>
      <Sole>7004</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>203571</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2852</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>8922</value>
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      <Sole>125</Sole>
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      <None>0</None>
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    <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
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    <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
    <value>77510</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>704</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>1168323</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>6006</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>6419</value>
    <shrsOrPrnAmt>
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      <Sole>33</Sole>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>5495161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9937</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9937</Sole>
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      <None>0</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>42028</value>
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      <Sole>76</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>892356106</cusip>
    <value>639360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2368</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2368</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>470304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2313</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2313</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRUIST FINANCIAL CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>405021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10428</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10428</Sole>
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      <None>0</None>
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    <nameOfIssuer>US BANCORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>255770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6443</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6443</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>3568925</value>
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