<SEC-DOCUMENT>0001144204-14-058906.txt : 20141001
<SEC-HEADER>0001144204-14-058906.hdr.sgml : 20141001
<ACCEPTANCE-DATETIME>20141001104711
ACCESSION NUMBER:		0001144204-14-058906
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20140930
FILED AS OF DATE:		20141001
DATE AS OF CHANGE:		20141001
EFFECTIVENESS DATE:		20141001

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:		141131807

	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>
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<SEQUENCE>1
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          <ns1:city>Newark</ns1:city>
          <ns1:stateOrCountry>OH</ns1:stateOrCountry>
          <ns1:zipCode>43058-3500</ns1:zipCode>
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    <signatureBlock>
      <name>J. Bradley Zellar</name>
      <title>Vice President and Trust Officer</title>
      <phone>740-349-3904</phone>
      <signature>/s/ J. Bradley Zellar</signature>
      <city>Newark</city>
      <stateOrCountry>OH</stateOrCountry>
      <signatureDate>10-01-2014</signatureDate>
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    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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      <None>1309</None>
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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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    <votingAuthority>
      <Sole>3625</Sole>
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      <None>0</None>
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    <nameOfIssuer>Automatic Data</nameOfIssuer>
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      <Sole>327060</Sole>
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      <None>8388</None>
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      <None>140</None>
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    <nameOfIssuer>Aviva PLC 8.25% Cap</nameOfIssuer>
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    <cusip>re05382A2</cusip>
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    <votingAuthority>
      <Sole>8900</Sole>
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      <None>3589</None>
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    <nameOfIssuer>BP PLC Sponsored ADR</nameOfIssuer>
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      <None>100</None>
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    <nameOfIssuer>BlackRock Credit</nameOfIssuer>
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    <cusip>092508100</cusip>
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      <Sole>55225</Sole>
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      <None>5175</None>
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    <titleOfClass>Equity</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>H &amp; R Block Inc</nameOfIssuer>
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      <Sole>7675</Sole>
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      <None>0</None>
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    <nameOfIssuer>Bob Evans Farms Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>17744</Sole>
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    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
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      <None>91497</None>
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    <cusip>125509109</cusip>
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      <None>0</None>
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    <nameOfIssuer>CME Group Inc</nameOfIssuer>
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      <Sole>60980</Sole>
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      <None>0</None>
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    <nameOfIssuer>CVS Health Corporation</nameOfIssuer>
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      <Sole>7862</Sole>
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      <None>0</None>
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    <nameOfIssuer>Canadian Pacific</nameOfIssuer>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
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    <nameOfIssuer>Carolinal Financial Corp</nameOfIssuer>
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    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
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    <cusip>149123101</cusip>
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    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
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    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
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    <nameOfIssuer>Georgia Commerce</nameOfIssuer>
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    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
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    <nameOfIssuer>Chevron Corp</nameOfIssuer>
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    <nameOfIssuer>Chevron Corp</nameOfIssuer>
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    <nameOfIssuer>Cincinnati Financial</nameOfIssuer>
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    <nameOfIssuer>Cincinnati Financial</nameOfIssuer>
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    <nameOfIssuer>Cinemark Holdings Inc</nameOfIssuer>
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    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
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    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
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    <nameOfIssuer>Guggenheim</nameOfIssuer>
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    <nameOfIssuer>Guggenheim</nameOfIssuer>
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    <titleOfClass>Equity</titleOfClass>
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  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
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    <nameOfIssuer>Commerce Bancshares</nameOfIssuer>
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    <nameOfIssuer>Compass Minerals</nameOfIssuer>
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    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
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    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
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    <nameOfIssuer>Cumulus Media Inc Class</nameOfIssuer>
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    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
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    <nameOfIssuer>Pataskala Banking Co</nameOfIssuer>
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    <nameOfIssuer>Daseke Inc Series B</nameOfIssuer>
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      <Sole>400</Sole>
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    <nameOfIssuer>Truefitt &amp; Hill Series C Pf</nameOfIssuer>
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    <nameOfIssuer>Deluxe Corporation</nameOfIssuer>
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    <nameOfIssuer>Deluxe Corporation</nameOfIssuer>
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    <nameOfIssuer>Grip Group Inc</nameOfIssuer>
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      <Sole>50</Sole>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>25179M103</cusip>
    <value>491851</value>
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      <sshPrnamt>7214</sshPrnamt>
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    <votingAuthority>
      <Sole>7214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Diebold Inc</nameOfIssuer>
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    <cusip>253651103</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47914</Sole>
      <Shared>0</Shared>
      <None>1219</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Diebold Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>253651103</cusip>
    <value>136441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2798</Sole>
      <Shared>0</Shared>
      <None>1065</None>
    </votingAuthority>
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    <cusip>254687106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>74755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74180</Sole>
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      <None>575</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>254687106</cusip>
    <value>444438</value>
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      <sshPrnamt>4992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4992</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Discover Financial</nameOfIssuer>
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    <cusip>254709108</cusip>
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      <sshPrnamt>7950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7672</Sole>
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      <None>278</None>
    </votingAuthority>
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    <nameOfIssuer>Discover Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
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      <sshPrnamt>2509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2509</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34438</Sole>
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      <None>712</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
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    <cusip>25746U109</cusip>
    <value>57345</value>
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      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>830</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
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    <cusip>260543103</cusip>
    <value>3168530</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60122</Sole>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
    <value>97329</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1856</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
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    <cusip>263534109</cusip>
    <value>10434980</value>
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      <sshPrnamt>145415</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>143482</Sole>
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      <None>1933</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>263534109</cusip>
    <value>744510</value>
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      <sshPrnamt>10375</sshPrnamt>
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    <votingAuthority>
      <Sole>5625</Sole>
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      <None>4750</None>
    </votingAuthority>
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    <nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
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    <cusip>26441C204</cusip>
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    <votingAuthority>
      <Sole>104713</Sole>
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      <None>5013</None>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>659397</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6586</Sole>
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      <None>2233</None>
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    <nameOfIssuer>EAU Technologies Inc</nameOfIssuer>
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    <cusip>26824Y104</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EMC Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>268648102</cusip>
    <value>9964230</value>
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      <sshPrnamt>340541</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>339341</Sole>
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      <None>1200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMC Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>268648102</cusip>
    <value>49742</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FDH Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>2805A2805</cusip>
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    <votingAuthority>
      <Sole>7000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Emerson Electric</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
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      <sshPrnamt>337842</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>331519</Sole>
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      <None>6323</None>
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  <infoTable>
    <nameOfIssuer>Emerson Electric</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
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      <Sole>15806</Sole>
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      <None>2125</None>
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    <nameOfIssuer>Equifax Inc</nameOfIssuer>
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    <cusip>294429105</cusip>
    <value>228331</value>
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    <votingAuthority>
      <Sole>1900</Sole>
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      <None>1155</None>
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    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
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    <votingAuthority>
      <Sole>14758</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30161N101</cusip>
    <value>3409</value>
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      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
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      <sshPrnamt>3929</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3862</Sole>
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      <None>67</None>
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  <infoTable>
    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>34397</value>
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      <sshPrnamt>487</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>487</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
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    <cusip>30231G102</cusip>
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    <votingAuthority>
      <Sole>432832</Sole>
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      <None>6598</None>
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  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47659</Sole>
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      <None>3105</None>
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  <infoTable>
    <nameOfIssuer>Family Dollar Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307000109</cusip>
    <value>517354</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6501</Sole>
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      <None>197</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Family Dollar Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307000109</cusip>
    <value>46344</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Federated Investors Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>314211103</cusip>
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    <votingAuthority>
      <Sole>7700</Sole>
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      <None>3454</None>
    </votingAuthority>
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    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>188089</value>
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      <sshPrnamt>1165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1165</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>16145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FNF Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620R303</cusip>
    <value>221920</value>
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      <sshPrnamt>8000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>1805604</value>
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      <sshPrnamt>90190</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90190</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>202562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10118</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Defiance Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32006W10</cusip>
    <value>508382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18822</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>676608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27175</Sole>
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      <None>2950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>34364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1085</Sole>
      <Shared>0</Shared>
      <None>445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Large Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734K109</cusip>
    <value>293693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6750</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Large Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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      <None>475</None>
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      <None>425</None>
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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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      <Sole>656517</Sole>
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      <None>5281</None>
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      <None>2805</None>
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      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Gallagher (Arthur J) &amp; Co</nameOfIssuer>
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      <Sole>6045</Sole>
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      <None>0</None>
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      <Sole>35739</Sole>
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      <None>80</None>
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      <None>0</None>
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    <nameOfIssuer>General Electric Company</nameOfIssuer>
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    <nameOfIssuer>Google Inc Class A</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>Gorman-Rupp Company</nameOfIssuer>
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      <Sole>63186</Sole>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Byrne Warehousing Inc</nameOfIssuer>
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      <Sole>77</Sole>
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      <None>0</None>
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    <nameOfIssuer>Guggenheim Build</nameOfIssuer>
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      <Sole>37850</Sole>
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      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>Halliburton Company</nameOfIssuer>
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    <cusip>406216101</cusip>
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    <votingAuthority>
      <Sole>74420</Sole>
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      <None>1199</None>
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    <nameOfIssuer>Halliburton Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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      <sshPrnamt>225</sshPrnamt>
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      <Sole>225</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Hanesbrands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>410345102</cusip>
    <value>624978</value>
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      <sshPrnamt>5817</sshPrnamt>
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    <votingAuthority>
      <Sole>5817</Sole>
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      <None>0</None>
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    <nameOfIssuer>Luikart Heating &amp; Cooling</nameOfIssuer>
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    <cusip>410741070</cusip>
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    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Harley-Davidson Inc</nameOfIssuer>
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    <cusip>412822108</cusip>
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      <sshPrnamt>37028</sshPrnamt>
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      <Sole>37028</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Harley-Davidson Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>412822108</cusip>
    <value>31428</value>
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      <sshPrnamt>540</sshPrnamt>
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      <Sole>540</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Harsco Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>415864107</cusip>
    <value>249491</value>
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      <None>0</None>
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    <nameOfIssuer>iShares U.S. Energy ETF</nameOfIssuer>
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    <votingAuthority>
      <Sole>9416</Sole>
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      <None>373</None>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>J P Morgan Chase &amp;</nameOfIssuer>
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    <votingAuthority>
      <Sole>729905</Sole>
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      <None>2645</None>
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    <nameOfIssuer>J P Morgan Chase &amp;</nameOfIssuer>
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    <cusip>46625H100</cusip>
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    <votingAuthority>
      <Sole>32733</Sole>
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      <None>2600</None>
    </votingAuthority>
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    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
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      <sshPrnamt>339725</sshPrnamt>
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    <votingAuthority>
      <Sole>327906</Sole>
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      <None>11819</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>478160104</cusip>
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      <sshPrnamt>23143</sshPrnamt>
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    <votingAuthority>
      <Sole>17693</Sole>
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      <None>5450</None>
    </votingAuthority>
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    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
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      <sshPrnamt>354354</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>352802</Sole>
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      <None>1552</None>
    </votingAuthority>
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    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
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    <cusip>478366107</cusip>
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      <sshPrnamt>15612</sshPrnamt>
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    <votingAuthority>
      <Sole>14962</Sole>
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      <None>650</None>
    </votingAuthority>
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    <nameOfIssuer>KeyCorp</nameOfIssuer>
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      <sshPrnamt>69522</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66084</Sole>
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      <None>3438</None>
    </votingAuthority>
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    <nameOfIssuer>Kimberly-Clark</nameOfIssuer>
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    <cusip>494368103</cusip>
    <value>2015862</value>
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      <sshPrnamt>18740</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18590</Sole>
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      <None>150</None>
    </votingAuthority>
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    <nameOfIssuer>Kimberly-Clark</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>494368103</cusip>
    <value>102729</value>
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      <sshPrnamt>955</sshPrnamt>
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    <votingAuthority>
      <Sole>855</Sole>
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      <None>100</None>
    </votingAuthority>
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    <nameOfIssuer>Kraft Foods Group Inc</nameOfIssuer>
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    <cusip>50076Q106</cusip>
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    <votingAuthority>
      <Sole>7511</Sole>
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      <None>0</None>
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    <nameOfIssuer>Kraft Foods Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>50076Q106</cusip>
    <value>79073</value>
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      <sshPrnamt>1402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1402</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Kroger Co</nameOfIssuer>
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    <cusip>501044101</cusip>
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      <sshPrnamt>18915</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9342</Sole>
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      <None>9573</None>
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    <nameOfIssuer>L Brands Inc</nameOfIssuer>
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    <cusip>501797104</cusip>
    <value>547562</value>
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      <sshPrnamt>8175</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8175</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>L Brands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>501797104</cusip>
    <value>33490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>L-3 Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>502424104</cusip>
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      <sshPrnamt>1900</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Lancaster Colony</nameOfIssuer>
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    <cusip>513847103</cusip>
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      <sshPrnamt>14255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14255</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
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    <cusip>524660107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>13758</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13758</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <value>3492</value>
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    <votingAuthority>
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      <None>100</None>
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    <nameOfIssuer>Lilly (Eli) &amp; Company</nameOfIssuer>
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    <cusip>532457108</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17858</Sole>
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      <None>150</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Lilly (Eli) &amp; Company</nameOfIssuer>
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    <cusip>532457108</cusip>
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      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Lincoln National</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>534187109</cusip>
    <value>403136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7524</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7524</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Lincoln National</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>534187109</cusip>
    <value>10716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539830109</cusip>
    <value>343992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1882</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1770</Sole>
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      <None>112</None>
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  <infoTable>
    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539830109</cusip>
    <value>93401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>511</sshPrnamt>
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    <votingAuthority>
      <Sole>511</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Lowe's Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>548661107</cusip>
    <value>781258</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14763</Sole>
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      <None>0</None>
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    <nameOfIssuer>MSA Safety Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>553498106</cusip>
    <value>202688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4103</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4103</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Magna International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>559222401</cusip>
    <value>369864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3897</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3800</Sole>
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      <None>97</None>
    </votingAuthority>
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    <nameOfIssuer>Mechanics Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>563000991</cusip>
    <value>2087827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2412</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2412</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Manulife Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56501R106</cusip>
    <value>215908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11216</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11216</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Manulife Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56501R106</cusip>
    <value>50243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2610</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Marathon Oil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>565849106</cusip>
    <value>506262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13468</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13168</Sole>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Marathon Oil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>565849106</cusip>
    <value>27065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>720</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Marathon Petroleum</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56585A102</cusip>
    <value>466024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5504</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5149</Sole>
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      <None>355</None>
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  <infoTable>
    <nameOfIssuer>Marathon Petroleum</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56585A102</cusip>
    <value>23284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>275</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Mattel Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>577081102</cusip>
    <value>780012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25449</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25349</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Mattel Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>577081102</cusip>
    <value>34788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1135</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>McDonald's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>580135101</cusip>
    <value>13011345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137236</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>131836</Sole>
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      <None>0</None>
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      <None>3579</None>
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      <sshPrnamt>7442</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4442</Sole>
      <Shared>0</Shared>
      <None>3000</None>
    </votingAuthority>
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    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>278936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>228472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>19546848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>207658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>205998</Sole>
      <Shared>0</Shared>
      <None>1660</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>405230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4215</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>4371386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80134</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>268469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Nuveen Quality</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>67072C105</cusip>
    <value>124030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>996582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>378015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>1477402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32597</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>6756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>2112286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24357</Sole>
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      <None>325</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>136500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1595</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC Financial Svcs</nameOfIssuer>
    <titleOfClass>Prefer</titleOfClass>
    <cusip>re6934758</cusip>
    <value>129122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4728</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC Financial Svcs</nameOfIssuer>
    <titleOfClass>Prefer</titleOfClass>
    <cusip>re6934758</cusip>
    <value>105881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3877</None>
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  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>271501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1380</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>216217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1099</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pall Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>696429307</cusip>
    <value>1578164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18855</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pall Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>696429307</cusip>
    <value>58590</value>
    <shrsOrPrnAmt>
      <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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    <nameOfIssuer>Park National Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>700658107</cusip>
    <value>135110422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1791440</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1382869</Sole>
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      <None>408571</None>
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  <infoTable>
    <nameOfIssuer>Park National Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>700658107</cusip>
    <value>3618381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47976</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17613</Sole>
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      <None>30363</None>
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    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>704326107</cusip>
    <value>254283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5753</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5753</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>704326107</cusip>
    <value>42432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>860</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>713448108</cusip>
    <value>25707641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276159</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>269921</Sole>
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      <None>6238</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>713448108</cusip>
    <value>1017567</value>
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      <sshPrnamt>10931</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9771</Sole>
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      <None>1160</None>
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  <infoTable>
    <nameOfIssuer>PerkinElmer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>714046109</cusip>
    <value>377750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8664</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8664</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Perpetual Federal</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>714273109</cusip>
    <value>130675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6806</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4804</Sole>
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      <None>2002</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Perpetual Federal</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>714273109</cusip>
    <value>1125965</value>
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      <sshPrnamt>58644</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58644</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>717081103</cusip>
    <value>11946546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404009</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>402015</Sole>
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      <None>1994</None>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>717081103</cusip>
    <value>485510</value>
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      <sshPrnamt>16419</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15519</Sole>
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      <None>900</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Philip Morris International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718172109</cusip>
    <value>1468924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17613</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17477</Sole>
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      <None>136</None>
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  <infoTable>
    <nameOfIssuer>Philip Morris International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718172109</cusip>
    <value>308997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3705</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3705</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718546104</cusip>
    <value>1468865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18065</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17890</Sole>
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      <None>175</None>
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  <infoTable>
    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718546104</cusip>
    <value>83424</value>
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      <sshPrnamt>1026</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1026</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Praxair Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>74005P104</cusip>
    <value>562311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4359</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4359</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Praxair Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>74005P104</cusip>
    <value>108102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>838</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>T Rowe Price Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>74144T108</cusip>
    <value>876120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11175</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11175</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>742718109</cusip>
    <value>39176670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467837</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>455445</Sole>
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      <None>12392</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>742718109</cusip>
    <value>3311666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32927</Sole>
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      <None>6620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Public Storage Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>74460D109</cusip>
    <value>201661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1216</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>600</None>
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      <None>0</None>
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      <None>0</None>
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      <None>60</None>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P MidCap 400</nameOfIssuer>
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      <None>0</None>
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      <None>0</None>
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      <Sole>43364</Sole>
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      <None>594</None>
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    <nameOfIssuer>Southern Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>842587107</cusip>
    <value>60892</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1295</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Spectra Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>847560109</cusip>
    <value>1469227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37345</Sole>
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      <None>78</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Spectra Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>847560109</cusip>
    <value>63483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>85207U105</cusip>
    <value>139068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>85207U105</cusip>
    <value>169468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>State Auto Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>855707105</cusip>
    <value>231948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Stryker Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>863667101</cusip>
    <value>573002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Stryker Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>863667101</cusip>
    <value>892530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7053</Sole>
      <Shared>0</Shared>
      <None>4000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Suncor Energy Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>867224107</cusip>
    <value>244013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SunTrust Banks Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>867914103</cusip>
    <value>490017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4358</Sole>
      <Shared>0</Shared>
      <None>8527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>1174704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>129789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>2270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>188868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10867</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>202199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5634</Sole>
      <Shared>0</Shared>
      <None>6000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
    <value>189166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2884</Sole>
      <Shared>0</Shared>
      <None>313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
    <value>111240</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>4209589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66710</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>87612E106</cusip>
    <value>57979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>1123859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>32250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>7359044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154310</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>154214</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>144262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3025</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>25891737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>176887</Sole>
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      <None>5861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1146475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7817</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Total S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89151E109</cusip>
    <value>257027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3988</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89417E109</cusip>
    <value>924088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>61000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>244000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Bank NA</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89641T104</cusip>
    <value>405000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>747520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Twenty-First Century</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>90130A101</cusip>
    <value>214655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>885</Sole>
      <Shared>0</Shared>
      <None>5375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>22772461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>544405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>541462</Sole>
      <Shared>0</Shared>
      <None>2943</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>686430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15685</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>7952824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72408</Sole>
      <Shared>0</Shared>
      <None>944</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>335668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>7364378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74309</Sole>
      <Shared>0</Shared>
      <None>616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>98290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>2222352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20870</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>92717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>632385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>152231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
    <titleOfClass>Prefer</titleOfClass>
    <cusip>re9497468</cusip>
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      <None>10514</None>
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    <cusip>981811102</cusip>
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      <None>155</None>
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    <cusip>A19535251</cusip>
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      <None>0</None>
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      <None>0</None>
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    <cusip>G1151C101</cusip>
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      <None>0</None>
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    <cusip>G29183103</cusip>
    <value>630848</value>
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    <value>435494</value>
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      <None>2500</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>G6359F103</cusip>
    <value>455200</value>
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    <votingAuthority>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>1887678</value>
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    <value>16110</value>
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      <None>0</None>
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    <cusip>G6S01W108</cusip>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>H8817H100</cusip>
    <value>256112</value>
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    <cusip>NEWSGRA</cusip>
    <value>80000</value>
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</SEC-DOCUMENT>
