<SEC-DOCUMENT>0001144204-14-000276.txt : 20140103
<SEC-HEADER>0001144204-14-000276.hdr.sgml : 20140103
<ACCEPTANCE-DATETIME>20140103104257
ACCESSION NUMBER:		0001144204-14-000276
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20131231
FILED AS OF DATE:		20140103
DATE AS OF CHANGE:		20140103
EFFECTIVENESS DATE:		20140103

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PARK NATIONAL CORP /OH/
		CENTRAL INDEX KEY:			0000805676
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				311179518
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-10278
		FILM NUMBER:		14503810

	BUSINESS ADDRESS:	
		STREET 1:		50 NORTH THIRD ST
		CITY:			NEWARK
		STATE:			OH
		ZIP:			43055
		BUSINESS PHONE:		6143498451

	MAIL ADDRESS:	
		STREET 1:		P O BOX 3500
		CITY:			NEWARK
		STATE:			OH
		ZIP:			43058-3500
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0000805676</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2013</periodOfReport>
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      <isAmendment>false</isAmendment>
      <filingManager>
        <name>PARK NATIONAL CORP /OH/</name>
        <address>
          <ns1:street1>P O Box 3500</ns1:street1>
          <ns1:city>Newark</ns1:city>
          <ns1:stateOrCountry>OH</ns1:stateOrCountry>
          <ns1:zipCode>43058-3500</ns1:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Terry Myers</name>
      <title>Vice President and Trust Officer</title>
      <phone>740-349-3758</phone>
      <signature>/s/ Terry Myers</signature>
      <city>Newark</city>
      <stateOrCountry>OH</stateOrCountry>
      <signatureDate>01-03-2014</signatureDate>
    </signatureBlock>
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      <None>0</None>
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      <None>0</None>
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    <cusip>109043109</cusip>
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      <sshPrnamt>6224</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6224</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Briggs &amp; Stratton Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>109043109</cusip>
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      <sshPrnamt>5284</sshPrnamt>
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    <votingAuthority>
      <Sole>5284</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
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    <cusip>110122108</cusip>
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      <sshPrnamt>63025</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62825</Sole>
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      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>110122108</cusip>
    <value>208986</value>
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      <sshPrnamt>3932</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3532</Sole>
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      <None>400</None>
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    <nameOfIssuer>Broadridge Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>11133T103</cusip>
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      <sshPrnamt>5145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>815</Sole>
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      <None>4330</None>
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  <infoTable>
    <nameOfIssuer>Broadridge Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>11133T103</cusip>
    <value>9920</value>
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      <sshPrnamt>251</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
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      <None>26</None>
    </votingAuthority>
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    <nameOfIssuer>Brown &amp; Brown Inc</nameOfIssuer>
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    <cusip>115236101</cusip>
    <value>2975772</value>
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      <sshPrnamt>94800</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
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      <None>88800</None>
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    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>1591086</value>
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      <sshPrnamt>18188</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18188</Sole>
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      <None>0</None>
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    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>61236</value>
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      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX Corporation</nameOfIssuer>
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    <cusip>126408103</cusip>
    <value>739878</value>
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      <sshPrnamt>25717</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24478</Sole>
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      <None>1239</None>
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    <nameOfIssuer>CSX Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126408103</cusip>
    <value>34668</value>
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      <sshPrnamt>1205</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1205</Sole>
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      <None>0</None>
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    <nameOfIssuer>CVS Caremark</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126650100</cusip>
    <value>577355</value>
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      <sshPrnamt>8067</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8067</Sole>
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      <None>0</None>
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    <nameOfIssuer>Canadian National</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>136375102</cusip>
    <value>208294</value>
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      <sshPrnamt>3653</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2060</Sole>
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      <None>1593</None>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
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    <cusip>14149Y108</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6318</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>14149Y108</cusip>
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      <sshPrnamt>225</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>225</None>
    </votingAuthority>
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    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>1221758</value>
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      <sshPrnamt>13454</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13140</Sole>
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      <None>314</None>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>70559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>777</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>357</Sole>
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      <None>420</None>
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  <infoTable>
    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151020104</cusip>
    <value>511128</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3025</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151020104</cusip>
    <value>39539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
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    <votingAuthority>
      <Sole>234</Sole>
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      <None>0</None>
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    <nameOfIssuer>Georgia Commerce</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151111111</cusip>
    <value>517509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25556</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25556</Sole>
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      <None>0</None>
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    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>156700106</cusip>
    <value>620279</value>
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      <sshPrnamt>19475</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19475</Sole>
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      <None>0</None>
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    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
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    <cusip>156700106</cusip>
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      <Sole>1945</Sole>
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      <None>23</None>
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    <nameOfIssuer>Chevron Corp</nameOfIssuer>
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    <cusip>166764100</cusip>
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    <votingAuthority>
      <Sole>259921</Sole>
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      <None>6210</None>
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    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>166764100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10788</Sole>
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    <nameOfIssuer>Chubb Corp</nameOfIssuer>
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    <cusip>171232101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>211933</Sole>
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      <None>1259</None>
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    <nameOfIssuer>Chubb Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171232101</cusip>
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      <sshPrnamt>6994</sshPrnamt>
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      <Sole>6874</Sole>
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      <None>120</None>
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    <nameOfIssuer>Church &amp; Dwight Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>3646</Sole>
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      <None>148</None>
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  <infoTable>
    <nameOfIssuer>Church &amp; Dwight Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171340102</cusip>
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      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cincinnati Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172062101</cusip>
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      <sshPrnamt>85669</sshPrnamt>
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    <votingAuthority>
      <Sole>70549</Sole>
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      <None>15120</None>
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  <infoTable>
    <nameOfIssuer>Cincinnati Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172062101</cusip>
    <value>232523</value>
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      <sshPrnamt>4440</sshPrnamt>
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      <Sole>400</Sole>
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      <None>4040</None>
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    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>17275R102</cusip>
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      <Sole>705077</Sole>
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      <None>3418</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>17275R102</cusip>
    <value>551195</value>
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      <Sole>24494</Sole>
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      <None>80</None>
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    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172908105</cusip>
    <value>150644</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>795</Sole>
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      <None>1733</None>
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  <infoTable>
    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172908105</cusip>
    <value>131098</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Citigroup Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172967424</cusip>
    <value>408438</value>
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      <sshPrnamt>7838</sshPrnamt>
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    <votingAuthority>
      <Sole>7838</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Citigroup Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172967424</cusip>
    <value>2866</value>
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      <Sole>55</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>Citigroup Capital XVII</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>17311H209</cusip>
    <value>210195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8391</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
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      <None>2391</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>Citigroup Capital XVII</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>17311H209</cusip>
    <value>49349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M548</cusip>
    <value>599108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26439</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26039</Sole>
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      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M548</cusip>
    <value>19261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>850</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <nameOfIssuer>Commerce Bancshares</nameOfIssuer>
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    <nameOfIssuer>Pataskala Banking Co</nameOfIssuer>
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    <nameOfIssuer>Truefitt &amp; Hill Series C Pfd</nameOfIssuer>
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    <nameOfIssuer>Discover Financial</nameOfIssuer>
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      <Sole>7837</Sole>
      <Shared>0</Shared>
      <None>269</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Discover Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
    <value>140379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIRECTV</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25490A309</cusip>
    <value>233285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3278</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25746U109</cusip>
    <value>2215956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33243</Sole>
      <Shared>0</Shared>
      <None>1012</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25746U109</cusip>
    <value>53693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
    <value>3023018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67786</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
    <value>95904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>263534109</cusip>
    <value>9448587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>143392</Sole>
      <Shared>0</Shared>
      <None>2038</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>263534109</cusip>
    <value>711422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6200</Sole>
      <Shared>0</Shared>
      <None>4750</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>8685806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120330</Sole>
      <Shared>0</Shared>
      <None>5533</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>534897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5518</Sole>
      <Shared>0</Shared>
      <None>2233</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EAU Technologies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26824Y104</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMC Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>268648102</cusip>
    <value>12533226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>498339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>495552</Sole>
      <Shared>0</Shared>
      <None>2787</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMC Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>268648102</cusip>
    <value>116520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eastman Chemical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>277432100</cusip>
    <value>245328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eastman Chemical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>277432100</cusip>
    <value>54392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FDH Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>2805A2805</cusip>
    <value>314370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Emerson Electric</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
    <value>24370145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>340845</Sole>
      <Shared>0</Shared>
      <None>6407</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Emerson Electric</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
    <value>962308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12112</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Equifax Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>294429105</cusip>
    <value>211001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>1154</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30161N101</cusip>
    <value>897707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30161N101</cusip>
    <value>10956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>250265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3491</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>47833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
    <value>46570216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>453360</Sole>
      <Shared>0</Shared>
      <None>6820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
    <value>4696894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43307</Sole>
      <Shared>0</Shared>
      <None>3105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Family Dollar Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307000109</cusip>
    <value>648660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9787</Sole>
      <Shared>0</Shared>
      <None>197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Family Dollar Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307000109</cusip>
    <value>98754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Federated Investors Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>314211103</cusip>
    <value>317030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
      <Shared>0</Shared>
      <None>3508</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>173962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>28754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fidelity National Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620R105</cusip>
    <value>275825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>2141464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>101829</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>212782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Defiance Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32006W10</cusip>
    <value>488807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Firstbank Corporation (MI)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33761G104</cusip>
    <value>697168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337738108</cusip>
    <value>361977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>238906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10747</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>222300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>1690588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50123</Sole>
      <Shared>0</Shared>
      <None>1138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>13687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Flaherty &amp; Crumrine</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33848W10</cusip>
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      <Sole>61206</Sole>
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      <None>0</None>
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    <nameOfIssuer>Graco Inc</nameOfIssuer>
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    <nameOfIssuer>Hanesbrands Inc</nameOfIssuer>
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    <nameOfIssuer>Luikart Heating &amp; Cooling</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>Capital Resin</nameOfIssuer>
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    <nameOfIssuer>Hillshire Brands</nameOfIssuer>
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    <cusip>432589109</cusip>
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      <Sole>11787</Sole>
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    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>204532</Sole>
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    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
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      <None>150</None>
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    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Mechanics Financial</nameOfIssuer>
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      <None>0</None>
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    <votingAuthority>
      <Sole>1375</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Meridian Bioscience Inc</nameOfIssuer>
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    <cusip>589584101</cusip>
    <value>248719</value>
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      <sshPrnamt>9375</sshPrnamt>
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    <votingAuthority>
      <Sole>9375</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
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    <value>74284</value>
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    <votingAuthority>
      <Sole>2800</Sole>
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      <None>0</None>
    </votingAuthority>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
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    <cusip>59156R108</cusip>
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      <Sole>485</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Microsoft Corporation</nameOfIssuer>
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      <Sole>691858</Sole>
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      <None>4092</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>594918104</cusip>
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      <Sole>21774</Sole>
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      <None>2400</None>
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    <nameOfIssuer>United Magazine</nameOfIssuer>
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    <cusip>602324UM</cusip>
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      <Sole>1048486</Sole>
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      <None>0</None>
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    <nameOfIssuer>Mine Safety Appliances</nameOfIssuer>
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    <cusip>602720104</cusip>
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    <votingAuthority>
      <Sole>4050</Sole>
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      <None>0</None>
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    <nameOfIssuer>Mondelez International</nameOfIssuer>
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    <cusip>609207105</cusip>
    <value>814901</value>
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    <votingAuthority>
      <Sole>22985</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>144271</value>
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      <sshPrnamt>4087</sshPrnamt>
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    <votingAuthority>
      <Sole>4087</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Monsanto Company</nameOfIssuer>
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    <cusip>61166W10</cusip>
    <value>408391</value>
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    <votingAuthority>
      <Sole>3439</Sole>
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      <None>65</None>
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    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
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    <cusip>617446448</cusip>
    <value>589066</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18784</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>6272</value>
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      <sshPrnamt>200</sshPrnamt>
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    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Ruch Corp</nameOfIssuer>
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    <cusip>6248RUCH</cusip>
    <value>2464000</value>
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      <sshPrnamt>76</sshPrnamt>
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    <votingAuthority>
      <Sole>76</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>National Oilwell Varco Inc</nameOfIssuer>
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    <cusip>637071101</cusip>
    <value>527204</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6217</Sole>
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      <None>412</None>
    </votingAuthority>
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    <nameOfIssuer>Jeld-Wen</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>639323620</cusip>
    <value>910979</value>
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      <sshPrnamt>3485</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3485</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Navigant Consulting Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63935N107</cusip>
    <value>192960</value>
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      <sshPrnamt>10050</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10050</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Navidea</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63937X103</cusip>
    <value>22615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10925</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10925</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nestle S A Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>683948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9315</sshPrnamt>
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    <votingAuthority>
      <Sole>8300</Sole>
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      <None>1015</None>
    </votingAuthority>
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    <nameOfIssuer>Nestle S A Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>550683</value>
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      <sshPrnamt>7500</sshPrnamt>
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      <Sole>7500</Sole>
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      <None>0</None>
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    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>4375610</value>
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      <sshPrnamt>51105</sshPrnamt>
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    <votingAuthority>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
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      <None>300</None>
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    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
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    <cusip>654106103</cusip>
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      <Sole>96654</Sole>
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      <None>1016</None>
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    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
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    <cusip>654106103</cusip>
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      <Sole>1230</Sole>
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      <None>0</None>
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    <nameOfIssuer>NiSource Inc</nameOfIssuer>
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    <cusip>65473P105</cusip>
    <value>4883502</value>
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    <votingAuthority>
      <Sole>148050</Sole>
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      <None>475</None>
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  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>82693</value>
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      <Sole>2515</Sole>
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      <None>0</None>
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    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>1481010</value>
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    <votingAuthority>
      <Sole>15954</Sole>
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      <None>0</None>
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    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>301698</value>
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    <votingAuthority>
      <Sole>250</Sole>
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      <None>3000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>275866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2407</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2407</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>198734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1734</sshPrnamt>
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    <votingAuthority>
      <Sole>1734</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>11855889</value>
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      <sshPrnamt>147498</sshPrnamt>
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    <votingAuthority>
      <Sole>146146</Sole>
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      <None>1352</None>
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  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>364121</value>
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      <Sole>4440</Sole>
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      <None>90</None>
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    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>5710806</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>106584</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>273359</value>
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      <sshPrnamt>5121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5121</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Nuveen Quality</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>67072C105</cusip>
    <value>210541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25865</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nuveen Build America</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>67074C103</cusip>
    <value>920101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49897</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46472</Sole>
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      <None>3425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nuveen Build America</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>67074C103</cusip>
    <value>21206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Occidental Petroleum</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>674599105</cusip>
    <value>208269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2190</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>839004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21929</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>436164</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
      <Sole>36593</Sole>
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      <None>205</None>
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      <None>0</None>
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    <votingAuthority>
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      <None>325</None>
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      <None>4934</None>
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      <None>3877</None>
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    <votingAuthority>
      <Sole>2124</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20751</Sole>
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      <None>0</None>
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    <cusip>696429307</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>700</Sole>
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      <None>0</None>
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    <nameOfIssuer>Park National Corporation</nameOfIssuer>
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    <cusip>700658107</cusip>
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      <sshPrnamt>1835368</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1408280</Sole>
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      <None>427088</None>
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    <nameOfIssuer>Park National Corporation</nameOfIssuer>
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    <cusip>700658107</cusip>
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      <None>30363</None>
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    <nameOfIssuer>Paychex Inc</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5813</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>100</None>
    </votingAuthority>
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    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
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    <cusip>713448108</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>274056</Sole>
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      <None>6287</None>
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    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
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    <cusip>713448108</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9980</Sole>
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      <None>760</None>
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    <nameOfIssuer>PerkinElmer Inc</nameOfIssuer>
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    <cusip>714046109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9064</Sole>
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      <None>0</None>
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    <nameOfIssuer>Perpetual Federal</nameOfIssuer>
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    <cusip>714273109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4804</Sole>
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      <None>2002</None>
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    <nameOfIssuer>Perpetual Federal</nameOfIssuer>
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    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
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    <nameOfIssuer>Phillips 66</nameOfIssuer>
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      <Sole>40648</Sole>
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    <nameOfIssuer>Phillips 66</nameOfIssuer>
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    <votingAuthority>
      <Sole>2450</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4779</Sole>
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      <None>0</None>
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      <Sole>755</Sole>
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      <None>0</None>
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    <nameOfIssuer>T Rowe Price Group Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>15875</Sole>
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      <None>0</None>
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    <nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
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    <votingAuthority>
      <Sole>456920</Sole>
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      <None>12244</None>
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    <nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>743315103</cusip>
    <value>272155</value>
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      <sshPrnamt>9980</sshPrnamt>
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    <votingAuthority>
      <Sole>9980</Sole>
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      <None>0</None>
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    <nameOfIssuer>Public Storage Inc</nameOfIssuer>
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      <sshPrnamt>1279</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>355</Sole>
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      <None>924</None>
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    <nameOfIssuer>Public Storage Inc</nameOfIssuer>
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      <None>426</None>
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    <titleOfClass>Preferre</titleOfClass>
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      <Sole>20000</Sole>
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      <None>1662</None>
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  <infoTable>
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      <None>1330</None>
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  <infoTable>
    <nameOfIssuer>Quaker Chemical</nameOfIssuer>
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      <sshPrnamt>3400</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUALCOMM Incorporated</nameOfIssuer>
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      <sshPrnamt>7251</sshPrnamt>
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    <votingAuthority>
      <Sole>7188</Sole>
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      <None>63</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM Incorporated</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Community Bancshares</nameOfIssuer>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <None>233</None>
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    <nameOfIssuer>Muskingum Valley</nameOfIssuer>
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    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
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    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
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    <nameOfIssuer>Communitybanc, Inc</nameOfIssuer>
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    <nameOfIssuer>Scripps Networks</nameOfIssuer>
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    <nameOfIssuer>Sherwin-Williams</nameOfIssuer>
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    <nameOfIssuer>Simon Property Group</nameOfIssuer>
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    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
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    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
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    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
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    <nameOfIssuer>Sonoco Products</nameOfIssuer>
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    <nameOfIssuer>Spectra Energy</nameOfIssuer>
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    <nameOfIssuer>Spectra Energy</nameOfIssuer>
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    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>State Auto Financial</nameOfIssuer>
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      <None>0</None>
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    <votingAuthority>
      <Sole>13153</Sole>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
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      <None>4000</None>
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    <cusip>867224107</cusip>
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      <Sole>6450</Sole>
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      <None>0</None>
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    <nameOfIssuer>SunTrust Banks Inc</nameOfIssuer>
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    <cusip>867914103</cusip>
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    <votingAuthority>
      <Sole>6707</Sole>
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      <None>8527</None>
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    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
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    <votingAuthority>
      <Sole>50556</Sole>
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      <None>450</None>
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  <infoTable>
    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>119852</value>
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      <Sole>1050</Sole>
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      <None>2270</None>
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    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>329991</value>
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      <sshPrnamt>19141</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>103440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
    <value>113248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1480</Sole>
      <Shared>0</Shared>
      <None>297</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
    <value>119812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>87612E106</cusip>
    <value>6149275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>96741</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>87612E106</cusip>
    <value>137929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>857672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>24048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>8382243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>190800</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>146001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>25771218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>177849</Sole>
      <Shared>0</Shared>
      <None>5903</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1109658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7637</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Total S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89151E109</cusip>
    <value>242200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1002731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>277600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Bank, N.A.</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89641T104</cusip>
    <value>350000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896522109</cusip>
    <value>490680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Twenty-First Century</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>90130A101</cusip>
    <value>206096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>485</Sole>
      <Shared>0</Shared>
      <None>5375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>18013027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>443143</Sole>
      <Shared>0</Shared>
      <None>2724</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>530008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>6787704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39831</Sole>
      <Shared>0</Shared>
      <None>572</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>235200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>7038994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66405</Sole>
      <Shared>0</Shared>
      <None>582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>105080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>2554582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22073</Sole>
      <Shared>0</Shared>
      <None>375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>42675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>557973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>132905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>322711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>60480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937827</cusip>
    <value>5168274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64410</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937827</cusip>
    <value>7993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Long Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>13762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Long Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>224035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ventas Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92276F100</cusip>
    <value>186389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2522</Sole>
      <Shared>0</Shared>
      <None>732</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ventas Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92276F100</cusip>
    <value>22797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>398</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922908553</cusip>
    <value>6242694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>96638</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922908553</cusip>
    <value>608478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>12137727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>245549</Sole>
      <Shared>0</Shared>
      <None>1454</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>884766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12353</Sole>
      <Shared>0</Shared>
      <None>5652</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Viacom Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92553P201</cusip>
    <value>332329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3805</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>171</None>
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    <nameOfIssuer>Vodafone Group PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92857W20</cusip>
    <value>74532</value>
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      <None>1596</None>
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      <None>243</None>
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    <nameOfIssuer>Wal-Mart Stores Inc</nameOfIssuer>
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    <cusip>931142103</cusip>
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      <None>5087</None>
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    <cusip>931142103</cusip>
    <value>317199</value>
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    <nameOfIssuer>Wal-Mart de Mexico SAB</nameOfIssuer>
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    <cusip>93114W10</cusip>
    <value>473493</value>
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    <nameOfIssuer>Walgreen Company</nameOfIssuer>
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    <cusip>931422109</cusip>
    <value>9014691</value>
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      <None>7250</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>931422109</cusip>
    <value>126770</value>
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      <None>0</None>
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    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>94106L109</cusip>
    <value>4859466</value>
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      <Sole>107776</Sole>
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      <None>525</None>
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    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>94106L109</cusip>
    <value>205101</value>
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      <None>200</None>
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    <nameOfIssuer>Wells Fargo &amp; Co (New)</nameOfIssuer>
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    <nameOfIssuer>Wells Fargo &amp; Co (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>949746101</cusip>
    <value>91118</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2007</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>949746879</cusip>
    <value>281501</value>
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    <votingAuthority>
      <Sole>7880</Sole>
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      <None>2188</None>
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    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>949746879</cusip>
    <value>50300</value>
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      <None>1799</None>
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    <nameOfIssuer>Wendy's Company Class</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>95058W10</cusip>
    <value>46556</value>
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    <votingAuthority>
      <Sole>5339</Sole>
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      <None>0</None>
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    <nameOfIssuer>Wendy's Company Class</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>95058W10</cusip>
    <value>42841</value>
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      <sshPrnamt>4913</sshPrnamt>
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      <Sole>4913</Sole>
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      <None>0</None>
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    <nameOfIssuer>WesBanco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>950810101</cusip>
    <value>189312</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4916</Sole>
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      <None>1000</None>
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    <nameOfIssuer>WesBanco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>950810101</cusip>
    <value>93984</value>
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      <None>0</None>
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    <nameOfIssuer>Western Union Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>959802109</cusip>
    <value>194149</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1792</Sole>
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      <None>9463</None>
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    <nameOfIssuer>Wisconsin Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>976657106</cusip>
    <value>291282</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>7046</Sole>
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      <None>0</None>
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    <nameOfIssuer>Worthington Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>981811102</cusip>
    <value>830323</value>
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    <votingAuthority>
      <Sole>19432</Sole>
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      <None>300</None>
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    <nameOfIssuer>Worthington Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>981811102</cusip>
    <value>123631</value>
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    <nameOfIssuer>Xerox Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>984121103</cusip>
    <value>191069</value>
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    <votingAuthority>
      <Sole>15700</Sole>
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      <None>0</None>
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    <nameOfIssuer>Yum Brands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>988498101</cusip>
    <value>482165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6377</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6226</Sole>
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      <None>151</None>
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    <nameOfIssuer>Columbus Dispatch</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>A19535251</cusip>
    <value>984907</value>
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    <votingAuthority>
      <Sole>40</Sole>
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      <None>0</None>
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    <nameOfIssuer>American Int'l Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>ACG87415</cusip>
    <value>18</value>
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      <Sole>89944</Sole>
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      <None>0</None>
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    <nameOfIssuer>Cohen &amp; Steers Qual Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>BKC47L109</cusip>
    <value>5</value>
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    <votingAuthority>
      <Sole>48460</Sole>
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      <None>0</None>
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    <nameOfIssuer>Freight Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>FS184B905</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
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    <nameOfIssuer>Allegion PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>595946</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13320</Sole>
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      <None>166</None>
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    <nameOfIssuer>Allegion PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>79144</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>958</Sole>
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      <None>833</None>
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    <nameOfIssuer>Amdocs Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G02602103</cusip>
    <value>269916</value>
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      <sshPrnamt>6545</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6450</Sole>
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      <None>95</None>
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    <nameOfIssuer>Accenture PLC Ireland</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>8764488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106598</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105551</Sole>
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      <None>1047</None>
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    <nameOfIssuer>Accenture PLC Ireland</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>38643</value>
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      <sshPrnamt>470</sshPrnamt>
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    <votingAuthority>
      <Sole>470</Sole>
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      <None>0</None>
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    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G29183103</cusip>
    <value>741333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9739</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9676</Sole>
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      <None>63</None>
    </votingAuthority>
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    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>2515867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40342</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>331223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2877</Sole>
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      <None>2500</None>
    </votingAuthority>
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    <nameOfIssuer>Nabors Industries Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G6359F103</cusip>
    <value>339800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>2827261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75454</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74401</Sole>
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      <None>1053</None>
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  <infoTable>
    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>104953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2801</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2801</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Rayonier Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>HFE907109</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Newsgrade Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>NEWSGRA</cusip>
    <value>80000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pentaflex, Inc Non-</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>PENT00077</cusip>
    <value>804464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
