<SEC-DOCUMENT>0001144204-15-000066.txt : 20150102
<SEC-HEADER>0001144204-15-000066.hdr.sgml : 20150101
<ACCEPTANCE-DATETIME>20150102120558
ACCESSION NUMBER:		0001144204-15-000066
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20141231
FILED AS OF DATE:		20150102
DATE AS OF CHANGE:		20150102
EFFECTIVENESS DATE:		20150102

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:		15500679

	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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<TYPE>13F-HR
<SEQUENCE>1
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          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2014</periodOfReport>
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      <isAmendment>false</isAmendment>
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        <name>PARK NATIONAL CORP /OH/</name>
        <address>
          <ns1:street1>P O Box 3500</ns1:street1>
          <ns1:city>Newark</ns1:city>
          <ns1:stateOrCountry>OH</ns1:stateOrCountry>
          <ns1:zipCode>43058-3500</ns1:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>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>01-02-2015</signatureDate>
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      <None>70</None>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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      <None>680</None>
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      <None>0</None>
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      <None>1411</None>
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    <cusip>037833100</cusip>
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      <None>1400</None>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Aqua America Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>18750</Sole>
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      <None>0</None>
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    <cusip>03836W10</cusip>
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      <Sole>250</Sole>
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      <None>0</None>
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    <nameOfIssuer>Autoliv Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>3125</Sole>
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      <None>0</None>
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    <nameOfIssuer>Automatic Data</nameOfIssuer>
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      <None>8436</None>
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      <None>140</None>
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    <nameOfIssuer>Aviva PLC 8.25% Cap</nameOfIssuer>
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    <cusip>05382A203</cusip>
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    <votingAuthority>
      <Sole>8900</Sole>
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      <None>3706</None>
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      <Sole>2000</Sole>
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      <None>2191</None>
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    <nameOfIssuer>BP PLC Sponsored ADR</nameOfIssuer>
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    <nameOfIssuer>BP PLC Sponsored ADR</nameOfIssuer>
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    <nameOfIssuer>Baker Hughes Inc</nameOfIssuer>
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      <Sole>9927</Sole>
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      <Sole>56853</Sole>
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      <None>200</None>
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      <Sole>41</Sole>
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    <votingAuthority>
      <Sole>14001</Sole>
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      <None>921</None>
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      <Sole>1661</Sole>
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      <None>100</None>
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    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>BlackRock Credit</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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      <Sole>55360</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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      <sshPrnamt>7722</sshPrnamt>
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    <votingAuthority>
      <Sole>7722</Sole>
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      <None>0</None>
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    <nameOfIssuer>Bob Evans Farms Inc</nameOfIssuer>
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    <cusip>096761101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>CVS Health Corporation</nameOfIssuer>
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    <nameOfIssuer>Cinemark Holdings Inc</nameOfIssuer>
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    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
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    <nameOfIssuer>Coca-Cola Company</nameOfIssuer>
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    <nameOfIssuer>Colgate-Palmolive</nameOfIssuer>
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    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
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    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
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    <nameOfIssuer>Cummins Inc</nameOfIssuer>
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      <Sole>1850</Sole>
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    <nameOfIssuer>Cumulus Media Inc Class</nameOfIssuer>
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    <value>84389</value>
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      <Sole>19950</Sole>
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    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
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      <Sole>65918</Sole>
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    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>235851102</cusip>
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    <nameOfIssuer>Darden Restaurants Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>237194105</cusip>
    <value>184685</value>
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      <None>100</None>
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    <votingAuthority>
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      <None>3240</None>
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    <nameOfIssuer>Daseke Inc Series B</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <None>1219</None>
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      <None>1065</None>
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      <None>575</None>
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    <cusip>254687106</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Discover Financial</nameOfIssuer>
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    <cusip>254709108</cusip>
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    <votingAuthority>
      <Sole>7742</Sole>
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      <None>281</None>
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    <cusip>254709108</cusip>
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      <None>712</None>
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    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
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    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
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      <Sole>1912</Sole>
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      <None>1155</None>
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    <cusip>301505509</cusip>
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      <None>0</None>
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    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>345538</value>
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    <votingAuthority>
      <Sole>4014</Sole>
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      <None>67</None>
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    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
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      <Sole>487</Sole>
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      <Sole>449906</Sole>
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      <None>6608</None>
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      <Sole>47309</Sole>
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      <None>3370</None>
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    <votingAuthority>
      <Sole>6321</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>47526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Federated Investors Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>314211103</cusip>
    <value>336413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6489</Sole>
      <Shared>0</Shared>
      <None>3727</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>202314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>65123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FNF Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620R303</cusip>
    <value>223925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>1736745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>206154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Defiance Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32006W10</cusip>
    <value>572957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>958477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36725</Sole>
      <Shared>0</Shared>
      <None>2950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>36962</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>491435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Large Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734K109</cusip>
    <value>25097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Small Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>716135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14140</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Mid Cap Core</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33735B108</cusip>
    <value>543885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9870</Sole>
      <Shared>0</Shared>
      <None>425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust NASDAQ</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738R118</cusip>
    <value>336094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust NASDAQ</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738R118</cusip>
    <value>55356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337738108</cusip>
    <value>444698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>157448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>188900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>1306750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33515</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>19495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Flaherty &amp; Crumrine</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33848W10</cusip>
    <value>511750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares Morningstar</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33939L407</cusip>
    <value>364256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>345370860</cusip>
    <value>12597021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>812711</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>806930</Sole>
      <Shared>0</Shared>
      <None>5781</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>345370860</cusip>
    <value>399280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22955</Sole>
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      <None>2805</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Freeport-McMoran Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>35671D857</cusip>
    <value>959886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40235</Sole>
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      <None>856</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Freeport-McMoran Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>35671D857</cusip>
    <value>81293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3280</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Insignia Bank</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>362736270</cusip>
    <value>82300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gallagher (Arthur J) &amp; Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>363576109</cusip>
    <value>242227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369550108</cusip>
    <value>4865417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35274</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369550108</cusip>
    <value>22019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369604103</cusip>
    <value>22576319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>893404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>889663</Sole>
      <Shared>0</Shared>
      <None>3741</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369604103</cusip>
    <value>1732713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60628</Sole>
      <Shared>0</Shared>
      <None>7940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Mills Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>370334104</cusip>
    <value>6758298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125723</Sole>
      <Shared>0</Shared>
      <None>1003</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Mills Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>370334104</cusip>
    <value>120259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Motors</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>37045V100</cusip>
    <value>236480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Genuine Parts Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>372460105</cusip>
    <value>20980756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>195444</Sole>
      <Shared>0</Shared>
      <None>1429</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Genuine Parts Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>372460105</cusip>
    <value>689188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6467</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>375558103</cusip>
    <value>126120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1164</Sole>
      <Shared>0</Shared>
      <None>174</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>375558103</cusip>
    <value>131964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38141G104</cusip>
    <value>360911</value>
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      <None>0</None>
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    <nameOfIssuer>J P Morgan Chase &amp;</nameOfIssuer>
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    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
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    <votingAuthority>
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    <votingAuthority>
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    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
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    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
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    <votingAuthority>
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      <None>3438</None>
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    <cusip>494368103</cusip>
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      <None>100</None>
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      <None>1824</None>
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      <None>100</None>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Kroger Co</nameOfIssuer>
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    <votingAuthority>
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      <None>9692</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>501797104</cusip>
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    <votingAuthority>
      <Sole>9500</Sole>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>502424104</cusip>
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      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1900</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4705</Sole>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>595112103</cusip>
    <value>40262</value>
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      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1150</Sole>
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      <None>0</None>
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    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>649782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17888</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>148460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>4087</Sole>
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      <None>0</None>
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    <nameOfIssuer>Monsanto Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>61166W10</cusip>
    <value>446101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3734</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3669</Sole>
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      <None>65</None>
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    <nameOfIssuer>Moody's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>615369105</cusip>
    <value>303718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3027</Sole>
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      <None>143</None>
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    <nameOfIssuer>Moody's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>615369105</cusip>
    <value>19162</value>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>650288</value>
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      <sshPrnamt>16760</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16760</Sole>
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      <None>0</None>
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    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>7760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Ruch Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>6248RUCH</cusip>
    <value>2464000</value>
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      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>76</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>National Oilwell Varco In</nameOfIssuer>
    <titleOfClass>c   Equity</titleOfClass>
    <cusip>637071101</cusip>
    <value>634986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9407</Sole>
      <Shared>0</Shared>
      <None>283</None>
    </votingAuthority>
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    <nameOfIssuer>Jeld-Wen</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>639323620</cusip>
    <value>819846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3485</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Navigant Consulting Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63935N107</cusip>
    <value>153700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Navient Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63938C108</cusip>
    <value>369056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17078</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Navient Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63938C108</cusip>
    <value>44841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2075</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Nestle S A Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>689231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8300</Sole>
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      <None>1088</None>
    </votingAuthority>
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    <nameOfIssuer>Nestle S A Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>550622</value>
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      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>4242140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39611</Sole>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>47831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
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    <cusip>654106103</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>140754</Sole>
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      <None>1256</None>
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  <infoTable>
    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>654106103</cusip>
    <value>137495</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1430</Sole>
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      <None>0</None>
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    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>5391158</value>
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    <votingAuthority>
      <Sole>126690</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>96081</value>
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      <None>0</None>
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    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
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    <votingAuthority>
      <Sole>10108</Sole>
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      <None>0</None>
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    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>815718</value>
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      <None>3000</None>
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    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1902</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>255574</value>
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      <sshPrnamt>1734</sshPrnamt>
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      <Sole>1734</Sole>
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      <None>0</None>
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    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>20468316</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>219211</Sole>
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      <None>1686</None>
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  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>407704</value>
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      <sshPrnamt>4400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4310</Sole>
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      <None>90</None>
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  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>3833503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78155</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77755</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>212092</value>
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      <sshPrnamt>4324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4324</Sole>
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      <None>0</None>
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    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1322838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29416</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>444079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9875</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>1659384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31168</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30963</Sole>
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      <None>205</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>7986</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>2425714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26264</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>145512</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC Financial Svcs</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>693475857</cusip>
    <value>138633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4994</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Svcs</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>693475857</cusip>
    <value>109319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3938</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>283159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1225</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>254034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1099</Sole>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>SPDR Gold Trust ETF</nameOfIssuer>
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      <sshPrnamt>1414</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1414</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>Equity</titleOfClass>
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    <votingAuthority>
      <Sole>806</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P MidCap 400</nameOfIssuer>
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    <votingAuthority>
      <Sole>675</Sole>
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      <None>0</None>
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    <cusip>78467Y107</cusip>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
      <Sole>2190</Sole>
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      <None>0</None>
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    <nameOfIssuer>Muskingum Valley</nameOfIssuer>
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    <votingAuthority>
      <Sole>11493</Sole>
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      <None>0</None>
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      <Sole>7370</Sole>
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      <None>0</None>
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    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
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    <cusip>806857108</cusip>
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    <votingAuthority>
      <Sole>106786</Sole>
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      <None>4898</None>
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    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>806857108</cusip>
    <value>457798</value>
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    <votingAuthority>
      <Sole>5360</Sole>
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      <None>0</None>
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    <nameOfIssuer>Communitybanc, Inc</nameOfIssuer>
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    <cusip>808991277</cusip>
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    <votingAuthority>
      <Sole>9560</Sole>
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      <None>0</None>
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    <nameOfIssuer>Sherwin-Williams</nameOfIssuer>
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    <votingAuthority>
      <Sole>8442</Sole>
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      <None>0</None>
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    <nameOfIssuer>Sigma-Aldrich Corporation</nameOfIssuer>
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    <votingAuthority>
      <Sole>1950</Sole>
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      <None>403</None>
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    <nameOfIssuer>Simon Property Group</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2455</Sole>
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      <None>1297</None>
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    <nameOfIssuer>Simon Property Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>828806109</cusip>
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    <votingAuthority>
      <Sole>25</Sole>
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      <None>520</None>
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    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>832696405</cusip>
    <value>574374</value>
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    <votingAuthority>
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      <None>200</None>
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    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
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    <cusip>832696405</cusip>
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      <None>288</None>
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    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
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    <votingAuthority>
      <Sole>2708</Sole>
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      <None>500</None>
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    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
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      <None>100</None>
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    <nameOfIssuer>Sonoco Products</nameOfIssuer>
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    <votingAuthority>
      <Sole>4335</Sole>
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      <None>0</None>
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    <nameOfIssuer>Sonoco Products</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>Southern Company</nameOfIssuer>
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      <None>594</None>
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    <cusip>842587107</cusip>
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    <nameOfIssuer>Spectra Energy</nameOfIssuer>
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    <nameOfIssuer>Spectra Energy</nameOfIssuer>
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    <cusip>847560109</cusip>
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    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
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    <cusip>85207U105</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6178</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>85207U105</cusip>
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      <sshPrnamt>26730</sshPrnamt>
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      <Sole>26730</Sole>
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      <None>0</None>
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    <nameOfIssuer>State Auto Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>855707105</cusip>
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      <Sole>11309</Sole>
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      <None>0</None>
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    <nameOfIssuer>Stryker Corporation</nameOfIssuer>
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    <cusip>863667101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7185</Sole>
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      <None>0</None>
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    <nameOfIssuer>Stryker Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>863667101</cusip>
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      <sshPrnamt>11053</sshPrnamt>
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      <Sole>7053</Sole>
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      <None>4000</None>
    </votingAuthority>
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    <nameOfIssuer>Suncor Energy Inc (New)</nameOfIssuer>
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    <cusip>867224107</cusip>
    <value>214547</value>
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    <votingAuthority>
      <Sole>6751</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SunTrust Banks Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>867914103</cusip>
    <value>539044</value>
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      <sshPrnamt>12865</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4338</Sole>
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      <None>8527</None>
    </votingAuthority>
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    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>1465474</value>
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      <sshPrnamt>36923</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36923</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>135740</value>
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      <sshPrnamt>3420</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
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      <None>2270</None>
    </votingAuthority>
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    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>207113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10108</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10108</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>238381</value>
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      <sshPrnamt>11634</sshPrnamt>
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      <Sole>5634</Sole>
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      <None>6000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
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      <sshPrnamt>28091</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27787</Sole>
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      <None>304</None>
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  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
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      <sshPrnamt>1880</sshPrnamt>
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      <Sole>1880</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>87612E106</cusip>
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      <sshPrnamt>64819</sshPrnamt>
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    <votingAuthority>
      <Sole>64369</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>87612E106</cusip>
    <value>70217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>1203569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>34506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>8206129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>153390</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>153712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>29747178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175171</Sole>
      <Shared>0</Shared>
      <None>5861</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1279888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7514</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Total S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89151E109</cusip>
    <value>348826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1079035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limite</nameOfIssuer>
    <titleOfClass>d   Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>53080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limite</nameOfIssuer>
    <titleOfClass>d   Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>212320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Bank NA</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89641T104</cusip>
    <value>415000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896522109</cusip>
    <value>448160</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>240415</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>24906346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>551047</Sole>
      <Shared>0</Shared>
      <None>3043</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>746170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15875</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>8487298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70330</Sole>
      <Shared>0</Shared>
      <None>914</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>356913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2996</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>8508952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75932</Sole>
      <Shared>0</Shared>
      <None>608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>116729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>2546560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21969</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>118220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1028</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>748673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>178424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Universal Health</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913903100</cusip>
    <value>241768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>415157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8121</Sole>
      <Shared>0</Shared>
      <None>266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>59400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937827</cusip>
    <value>4290917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53420</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937827</cusip>
    <value>7995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Long Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>16721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Long Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>272195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vectren Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92240G101</cusip>
    <value>201563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vectren Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92240G101</cusip>
    <value>207388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922908553</cusip>
    <value>9110718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>112253</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922908553</cusip>
    <value>827820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>11014070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>234134</Sole>
      <Shared>0</Shared>
      <None>1310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>955341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13852</Sole>
      <Shared>0</Shared>
      <None>6570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vernay Laboratories Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>924315104</cusip>
    <value>374745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Viacom Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92553P201</cusip>
    <value>298065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vodafone Group PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92857W30</cusip>
    <value>244691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vodafone Group PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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      <None>98</None>
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      <None>5237</None>
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      <None>7250</None>
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      <None>0</None>
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    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
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      <None>525</None>
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    <value>240999</value>
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    <nameOfIssuer>Wells Fargo &amp; Co (New)</nameOfIssuer>
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    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>949746879</cusip>
    <value>305381</value>
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    <votingAuthority>
      <Sole>8121</Sole>
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      <None>2348</None>
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    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
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    <cusip>949746879</cusip>
    <value>54285</value>
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      <None>1861</None>
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    <nameOfIssuer>WesBanco Inc</nameOfIssuer>
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    <cusip>950810101</cusip>
    <value>163838</value>
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      <None>1000</None>
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    <titleOfClass>Equity</titleOfClass>
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    <value>102208</value>
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    <nameOfIssuer>Western Union Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>959802109</cusip>
    <value>251027</value>
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      <Sole>3450</Sole>
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      <None>10566</None>
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    <nameOfIssuer>Wex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>96208T104</cusip>
    <value>393207</value>
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      <Sole>3975</Sole>
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      <None>0</None>
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    <nameOfIssuer>Windstream Holdings Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>97382A101</cusip>
    <value>93079</value>
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      <Sole>11296</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Windstream Holdings Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>97382A101</cusip>
    <value>4054</value>
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      <None>492</None>
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    <nameOfIssuer>Wisconsin Energy</nameOfIssuer>
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    <cusip>976657106</cusip>
    <value>292021</value>
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      <Sole>5537</Sole>
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      <None>0</None>
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    <nameOfIssuer>Worthington Industries In</nameOfIssuer>
    <titleOfClass>c   Equity</titleOfClass>
    <cusip>981811102</cusip>
    <value>540777</value>
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      <None>300</None>
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    <value>88404</value>
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    <nameOfIssuer>Wynn Resorts Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>983134107</cusip>
    <value>223140</value>
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    <nameOfIssuer>Xerox Corp</nameOfIssuer>
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    <cusip>984121103</cusip>
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    <nameOfIssuer>Yum Brands Inc</nameOfIssuer>
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    <cusip>988498101</cusip>
    <value>604364</value>
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      <Sole>8136</Sole>
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      <None>160</None>
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    <nameOfIssuer>Columbus Dispatch</nameOfIssuer>
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    <cusip>A19535251</cusip>
    <value>984907</value>
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    <nameOfIssuer>Cohen &amp; Steers Qual Inc</nameOfIssuer>
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    <cusip>BKC47L109</cusip>
    <value>6</value>
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      <None>10000</None>
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    <nameOfIssuer>Allegion PLC</nameOfIssuer>
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    <cusip>G0176J109</cusip>
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      <None>66</None>
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    <nameOfIssuer>Allegion PLC</nameOfIssuer>
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    <cusip>G0176J109</cusip>
    <value>142754</value>
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      <None>833</None>
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    <nameOfIssuer>Amdocs Ltd</nameOfIssuer>
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    <cusip>G02602103</cusip>
    <value>297379</value>
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      <Sole>6281</Sole>
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      <None>93</None>
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    <nameOfIssuer>Accenture PLC Ireland</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>7744070</value>
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      <Sole>86160</Sole>
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      <None>550</None>
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    <nameOfIssuer>Accenture PLC Ireland</nameOfIssuer>
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    <cusip>G1151C101</cusip>
    <value>17862</value>
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    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G29183103</cusip>
    <value>892383</value>
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    <votingAuthority>
      <Sole>13074</Sole>
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      <None>57</None>
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    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>2231962</value>
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      <sshPrnamt>35210</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>34710</Sole>
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      <None>500</None>
    </votingAuthority>
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    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>489815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7727</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5227</Sole>
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      <None>2500</None>
    </votingAuthority>
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    <nameOfIssuer>Nabors Industries Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G6359F103</cusip>
    <value>203981</value>
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      <sshPrnamt>15715</sshPrnamt>
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    <votingAuthority>
      <Sole>15715</Sole>
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      <None>0</None>
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    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>2187870</value>
    <shrsOrPrnAmt>
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      <None>1359</None>
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  <infoTable>
    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>12013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>725</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Paragon Offshore PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G6S01W108</cusip>
    <value>34342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12398</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>12146</Sole>
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      <None>252</None>
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  <infoTable>
    <nameOfIssuer>Paragon Offshore PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G6S01W108</cusip>
    <value>668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rayonier Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>HFE907109</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Newsgrade Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>NEWSGRA</cusip>
    <value>80000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pentaflex, Inc Non-</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>PENT00077</cusip>
    <value>804464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
