<SEC-DOCUMENT>0001144204-15-020619.txt : 20150401
<SEC-HEADER>0001144204-15-020619.hdr.sgml : 20150401
<ACCEPTANCE-DATETIME>20150401165022
ACCESSION NUMBER:		0001144204-15-020619
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20150331
FILED AS OF DATE:		20150401
DATE AS OF CHANGE:		20150401
EFFECTIVENESS DATE:		20150401

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:		15743940

	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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          <cik>0000805676</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2015</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>03-31-2015</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>PARK NATIONAL CORP /OH/</name>
        <address>
          <ns1:street1>P O Box 3500</ns1:street1>
          <ns1:city>Newark</ns1:city>
          <ns1:stateOrCountry>OH</ns1:stateOrCountry>
          <ns1:zipCode>43058-3500</ns1:zipCode>
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      <form13FFileNumber>028-10278</form13FFileNumber>
      <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>04-01-2015</signatureDate>
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      <Sole>13206</Sole>
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      <None>719</None>
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      <Sole>196149</Sole>
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    <value>275</value>
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    <nameOfIssuer>Aqua America Inc</nameOfIssuer>
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      <Sole>19333</Sole>
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      <None>0</None>
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    <value>7</value>
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      <Sole>250</Sole>
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      <None>0</None>
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      <Sole>312487</Sole>
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      <Sole>3125</Sole>
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      <None>0</None>
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    <nameOfIssuer>Automatic Data</nameOfIssuer>
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    <nameOfIssuer>Aviva PLC 8.25% Cap</nameOfIssuer>
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    <cusip>084670702</cusip>
    <value>2014</value>
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    <value>254</value>
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      <Sole>1661</Sole>
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      <None>100</None>
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    <cusip>09247X101</cusip>
    <value>260</value>
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      <Sole>712</Sole>
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    <value>909</value>
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      <sshPrnamt>19643</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boeing Company (The)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>097023105</cusip>
    <value>1940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12628</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boeing Company (The)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>097023105</cusip>
    <value>390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2598</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boston Properties Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>101121101</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>247</Sole>
      <Shared>0</Shared>
      <None>718</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boston Properties Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>101121101</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>284</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>055622104</cusip>
    <value>486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12432</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>055622104</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3598</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1198</Sole>
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      <None>2400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Briggs &amp; Stratton Corp</nameOfIssuer>
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    <cusip>109043109</cusip>
    <value>120</value>
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      <sshPrnamt>5825</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5825</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Briggs &amp; Stratton Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>109043109</cusip>
    <value>109</value>
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      <sshPrnamt>5284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5284</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>110122108</cusip>
    <value>3501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54228</Sole>
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      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>110122108</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3382</Sole>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Broadridge Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>11133T103</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>3144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Broadridge Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>11133T103</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
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      <None>26</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Brown &amp; Brown Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>115236101</cusip>
    <value>3261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>92490</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Byrne Warehousing Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>394939500</cusip>
    <value>1034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>77</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Capital Resin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>417604176</cusip>
    <value>4046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Carolinal Financial Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>143873107</cusip>
    <value>303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22820</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11275</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>357</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDK Global Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>12508E101</cusip>
    <value>2516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51480</Sole>
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      <None>2332</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDK Global Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>12508E101</cusip>
    <value>173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3661</Sole>
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      <None>46</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151020104</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1332</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151020104</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>468</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>156700106</cusip>
    <value>452</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13070</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>156700106</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1945</Sole>
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      <None>23</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>166764100</cusip>
    <value>28166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>262597</Sole>
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      <None>5699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>166764100</cusip>
    <value>1562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11504</Sole>
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      <None>3374</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chubb Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171232101</cusip>
    <value>24639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>242288</Sole>
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      <None>1425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chubb Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171232101</cusip>
    <value>753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7329</Sole>
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      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Church &amp; Dwight Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171340102</cusip>
    <value>170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1993</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Church &amp; Dwight Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171340102</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>2286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17657</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cincinnati Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172062101</cusip>
    <value>3985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74502</Sole>
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      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cincinnati Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172062101</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>4040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cinemark Holdings Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>17243V102</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172908105</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>1117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172908105</cusip>
    <value>180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>17275R102</cusip>
    <value>22442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>810840</Sole>
      <Shared>0</Shared>
      <None>4496</None>
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    <votingAuthority>
      <Sole>27922</Sole>
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    <nameOfIssuer>Clorox Company</nameOfIssuer>
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    <cusip>189054109</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>189054109</cusip>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CME Group Inc</nameOfIssuer>
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    <cusip>12572Q105</cusip>
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    <votingAuthority>
      <Sole>3120</Sole>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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      <None>0</None>
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      <None>5300</None>
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    <nameOfIssuer>Cohen &amp; Steers Qual Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>48460</Sole>
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      <None>0</None>
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    <nameOfIssuer>Colgate-Palmolive</nameOfIssuer>
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    <votingAuthority>
      <Sole>76511</Sole>
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      <None>607</None>
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      <Sole>900</Sole>
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      <None>0</None>
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    <nameOfIssuer>Columbus Dispatch</nameOfIssuer>
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    <cusip>A19535251</cusip>
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    <votingAuthority>
      <Sole>40</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>47953</Sole>
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      <None>0</None>
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      <None>574</None>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Community Bancshares</nameOfIssuer>
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    <nameOfIssuer>Communitybanc, Inc</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>Compass Minerals</nameOfIssuer>
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    <cusip>20451N101</cusip>
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    <nameOfIssuer>ConAgra Foods Inc</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>ConAgra Foods Inc</nameOfIssuer>
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    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
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    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
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    <cusip>209115104</cusip>
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    <nameOfIssuer>Corning Inc</nameOfIssuer>
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    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
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    <nameOfIssuer>CSX Corporation</nameOfIssuer>
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    <nameOfIssuer>Cumulus Media Inc Class</nameOfIssuer>
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    <cusip>231082108</cusip>
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    <nameOfIssuer>CVS Health Corporation</nameOfIssuer>
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    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
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    <cusip>235851102</cusip>
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      <Sole>71991</Sole>
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      <None>413</None>
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  <infoTable>
    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>235851102</cusip>
    <value>42</value>
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      <None>0</None>
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    <nameOfIssuer>Daseke Inc Series B</nameOfIssuer>
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    <cusip>240692614</cusip>
    <value>500</value>
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      <None>0</None>
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    <cusip>244199105</cusip>
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      <Sole>16576</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>244199105</cusip>
    <value>107</value>
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      <Sole>1225</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Delhaize Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>29759W10</cusip>
    <value>221</value>
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      <sshPrnamt>9900</sshPrnamt>
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    <votingAuthority>
      <Sole>9900</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Deluxe Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>248019101</cusip>
    <value>404</value>
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      <sshPrnamt>5835</sshPrnamt>
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    <votingAuthority>
      <Sole>5835</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Devon Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25179M103</cusip>
    <value>403</value>
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    <votingAuthority>
      <Sole>6689</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Diebold Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>253651103</cusip>
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      <Sole>94933</Sole>
      <Shared>0</Shared>
      <None>1443</None>
    </votingAuthority>
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    <nameOfIssuer>Diebold Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>253651103</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1993</Sole>
      <Shared>0</Shared>
      <None>1065</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Discover Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
    <value>454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7781</Sole>
      <Shared>0</Shared>
      <None>278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Discover Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Disney (Walt) Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254687106</cusip>
    <value>7722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73044</Sole>
      <Shared>0</Shared>
      <None>575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Disney (Walt) Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254687106</cusip>
    <value>524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25746U109</cusip>
    <value>2143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29520</Sole>
      <Shared>0</Shared>
      <None>712</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25746U109</cusip>
    <value>59</value>
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      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
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    <cusip>260543103</cusip>
    <value>2752</value>
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      <sshPrnamt>57352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56952</Sole>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2060</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>263534109</cusip>
    <value>10982</value>
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      <sshPrnamt>153653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>151747</Sole>
      <Shared>0</Shared>
      <None>1906</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>263534109</cusip>
    <value>745</value>
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      <sshPrnamt>10425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5675</Sole>
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      <None>4750</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>8698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>108280</Sole>
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      <None>5009</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6468</Sole>
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      <None>2233</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eastman Chemical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>277432100</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eastman Chemical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>277432100</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G29183103</cusip>
    <value>699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10227</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EAU Technologies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26824Y104</cusip>
    <value>0</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>
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  <infoTable>
    <nameOfIssuer>Elbit Systems Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>M3760D101</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMC Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>268648102</cusip>
    <value>8182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>318901</Sole>
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      <None>1200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMC Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>268648102</cusip>
    <value>43</value>
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      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Emerson Electric</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
    <value>20076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354573</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>348230</Sole>
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      <None>6343</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Emerson Electric</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
    <value>1007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15656</Sole>
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      <None>2125</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Equifax Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>294429105</cusip>
    <value>276</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1912</Sole>
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      <None>1058</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Estee Lauder Companies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>518439104</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3249</Sole>
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      <None>419</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <value>406</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12092</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30161N101</cusip>
    <value>3</value>
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      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>Expeditors International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>302130109</cusip>
    <value>119</value>
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      <sshPrnamt>2475</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2475</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Expeditors International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>302130109</cusip>
    <value>96</value>
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      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4039</Sole>
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      <None>69</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>487</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
    <value>38648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454679</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>447999</Sole>
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      <None>6680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
    <value>4565</value>
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      <sshPrnamt>53709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50339</Sole>
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      <None>3370</None>
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  <infoTable>
    <nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30303M102</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2672</Sole>
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      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30303M102</cusip>
    <value>108</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Family Dollar Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307000109</cusip>
    <value>516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6321</Sole>
      <Shared>0</Shared>
      <None>197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Family Dollar Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307000109</cusip>
    <value>48</value>
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      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Federated Investors Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>314211103</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10620</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6893</Sole>
      <Shared>0</Shared>
      <None>3727</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1305</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>17</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>Fidelity National</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620M106</cusip>
    <value>186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2728</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fidelity National</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620M106</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>1520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80663</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>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10118</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Defiance Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32006W10</cusip>
    <value>552</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>
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  <infoTable>
    <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
    <titleOfClass>Conv</titleOfClass>
    <cusip>320209109</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14776</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Large Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734K109</cusip>
    <value>591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12580</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Large Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734K109</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Mid Cap Core</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33735B108</cusip>
    <value>1048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18785</Sole>
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      <None>425</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust NASDAQ</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738R118</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18648</Sole>
      <Shared>0</Shared>
      <None>380</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust NASDAQ</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738R118</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Small Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>1047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20230</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>1315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51640</Sole>
      <Shared>0</Shared>
      <None>2950</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>37</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>
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  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>1164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10335</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>191</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>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337738108</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares Morningstar</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33939L407</cusip>
    <value>355</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>FNF Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620R303</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6500</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>15382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>953063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>944680</Sole>
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      <None>8383</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>345370860</cusip>
    <value>425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23510</Sole>
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      <None>2805</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Freeport-McMoran Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>35671D857</cusip>
    <value>1401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73947</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72730</Sole>
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      <None>1217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Freeport-McMoran Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>35671D857</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6580</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Freight Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>FS184B905</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Gallagher (Arthur J) &amp; Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>363576109</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5505</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5505</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369550108</cusip>
    <value>4034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29643</Sole>
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      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369550108</cusip>
    <value>22</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>22697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>914835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>910930</Sole>
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      <None>3905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369604103</cusip>
    <value>1709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60948</Sole>
      <Shared>0</Shared>
      <None>7940</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>General Mills Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>370334104</cusip>
    <value>8963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>156986</Sole>
      <Shared>0</Shared>
      <None>1363</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>General Mills Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>370334104</cusip>
    <value>134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Genuine Parts Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>372460105</cusip>
    <value>20017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>213026</Sole>
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      <None>1774</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Genuine Parts Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>372460105</cusip>
    <value>607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Georgia Commerce</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151111111</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>375558103</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1399</Sole>
      <Shared>0</Shared>
      <None>158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>375558103</cusip>
    <value>137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Google Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38259P508</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>733</Sole>
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      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Google Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38259P508</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Google Inc Class C</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38259P706</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>751</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Google Inc Class C</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38259P706</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
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      <None>0</None>
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      <Sole>23268</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>36040</Sole>
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      <None>0</None>
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    <nameOfIssuer>Harley-Davidson Inc</nameOfIssuer>
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    <cusip>412822108</cusip>
    <value>33</value>
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      <Sole>540</Sole>
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    <nameOfIssuer>Harsco Corporation</nameOfIssuer>
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    <cusip>415864107</cusip>
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      <Sole>11878</Sole>
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      <None>0</None>
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    <nameOfIssuer>Health Care REIT Inc</nameOfIssuer>
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    <cusip>42217K106</cusip>
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      <Sole>572</Sole>
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    <nameOfIssuer>Host Hotels &amp; Resorts Inc</nameOfIssuer>
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    <value>79</value>
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      <Sole>7173</Sole>
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    <titleOfClass>Conv</titleOfClass>
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    <value>203</value>
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      <None>0</None>
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    <nameOfIssuer>Illinois Tool Works Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40755</Sole>
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      <None>155</None>
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    <titleOfClass>Equity</titleOfClass>
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    <value>39</value>
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      <Sole>300</Sole>
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      <None>100</None>
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    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>2350</value>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
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      <Sole>5227</Sole>
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      <None>2500</None>
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  <infoTable>
    <nameOfIssuer>Insignia Bank</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>362736270</cusip>
    <value>87</value>
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    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Integrys Energy Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>45822P105</cusip>
    <value>351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>4874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <cusip>45822P105</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Intel Corporation</nameOfIssuer>
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    <cusip>458140100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>689694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>684793</Sole>
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      <None>4901</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Intel Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>458140100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>27004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25084</Sole>
      <Shared>0</Shared>
      <None>1920</None>
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    <nameOfIssuer>International Business</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459200101</cusip>
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      <sshPrnamt>155614</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>151870</Sole>
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      <None>3744</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
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      <sshPrnamt>29086</sshPrnamt>
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    <votingAuthority>
      <Sole>28761</Sole>
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      <None>325</None>
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    <nameOfIssuer>International Flavors &amp;</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
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      <None>150</None>
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    <cusip>459506101</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1643</Sole>
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      <None>0</None>
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    <nameOfIssuer>International Paper</nameOfIssuer>
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    <votingAuthority>
      <Sole>7544</Sole>
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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>848</Sole>
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      <None>9</None>
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    <cusip>46284V101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6164</Sole>
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      <None>2103</None>
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  <infoTable>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>842</None>
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  <infoTable>
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    <cusip>464285105</cusip>
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      <sshPrnamt>49339</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45027</Sole>
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      <None>4312</None>
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    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81113</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287465</cusip>
    <value>447</value>
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      <sshPrnamt>6972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6972</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>iShares MSCI Emerging</nameOfIssuer>
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    <value>426</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10606</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares MSCI Emerging</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287234</cusip>
    <value>88</value>
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      <sshPrnamt>2204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2204</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares Select Dividend</nameOfIssuer>
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    <cusip>464287168</cusip>
    <value>1882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares Select Dividend</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287168</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1564</Sole>
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      <None>135</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Energy ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287796</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9896</Sole>
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      <None>531</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Energy ETF</nameOfIssuer>
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    <cusip>464287796</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3137</sshPrnamt>
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    <votingAuthority>
      <Sole>3137</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Financials</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2160</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Financials</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2490</Sole>
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      <None>0</None>
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    <cusip>464287762</cusip>
    <value>628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3965</Sole>
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      <None>105</None>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1365</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Preferred</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464288687</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13002</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>464288687</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>167</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Real Estate</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287739</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4408</Sole>
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      <None>744</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>464287721</cusip>
    <value>2015</value>
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      <sshPrnamt>19202</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18287</Sole>
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      <None>915</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Technology</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287721</cusip>
    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2355</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares US Consumer</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287580</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1660</Sole>
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      <None>155</None>
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  <infoTable>
    <nameOfIssuer>iShares US Consumer</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287580</cusip>
    <value>151</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P Morgan Chase &amp;</nameOfIssuer>
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    <cusip>46625H100</cusip>
    <value>44582</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>733643</Sole>
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      <None>2281</None>
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  <infoTable>
    <nameOfIssuer>J P Morgan Chase &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2145</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32803</Sole>
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      <None>2600</None>
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  <infoTable>
    <nameOfIssuer>Jeld-Wen</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>639323620</cusip>
    <value>880</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478160104</cusip>
    <value>35494</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>340712</Sole>
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      <None>12107</None>
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  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478160104</cusip>
    <value>2328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17688</Sole>
      <Shared>0</Shared>
      <None>5450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478366107</cusip>
    <value>19584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>388257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>386141</Sole>
      <Shared>0</Shared>
      <None>2116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478366107</cusip>
    <value>796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15137</Sole>
      <Shared>0</Shared>
      <None>650</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kellogg Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>487836108</cusip>
    <value>175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2550</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
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    <nameOfIssuer>KeyCorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>493267108</cusip>
    <value>982</value>
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      <sshPrnamt>69379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65941</Sole>
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      <None>3438</None>
    </votingAuthority>
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    <nameOfIssuer>Kimberly-Clark</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>494368103</cusip>
    <value>1970</value>
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      <sshPrnamt>18393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18243</Sole>
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      <None>150</None>
    </votingAuthority>
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    <nameOfIssuer>Kimberly-Clark</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>494368103</cusip>
    <value>102</value>
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    <votingAuthority>
      <Sole>855</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kinder Morgan Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>49456B101</cusip>
    <value>409</value>
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      <sshPrnamt>9732</sshPrnamt>
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    <votingAuthority>
      <Sole>7922</Sole>
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      <None>1810</None>
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  <infoTable>
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    <cusip>49456B101</cusip>
    <value>85</value>
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    <votingAuthority>
      <Sole>1918</Sole>
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      <None>100</None>
    </votingAuthority>
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    <nameOfIssuer>Kraft Foods Group Inc</nameOfIssuer>
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    <value>696</value>
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    <votingAuthority>
      <Sole>7994</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>50076Q106</cusip>
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    <votingAuthority>
      <Sole>1402</Sole>
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      <None>0</None>
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    <nameOfIssuer>Kroger Co</nameOfIssuer>
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    <cusip>501044101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10173</Sole>
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      <None>9486</None>
    </votingAuthority>
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    <nameOfIssuer>L Brands Inc</nameOfIssuer>
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    <cusip>501797104</cusip>
    <value>938</value>
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      <sshPrnamt>9950</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9950</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>501797104</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>L-3 Communications</nameOfIssuer>
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    <cusip>502424104</cusip>
    <value>244</value>
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      <sshPrnamt>1942</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1942</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Lancaster Colony</nameOfIssuer>
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    <cusip>513847103</cusip>
    <value>1304</value>
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      <sshPrnamt>13700</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13700</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
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    <cusip>524660107</cusip>
    <value>587</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12735</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
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    <cusip>524660107</cusip>
    <value>5</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>100</None>
    </votingAuthority>
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    <nameOfIssuer>Lilly (Eli) &amp; Company</nameOfIssuer>
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    <cusip>532457108</cusip>
    <value>1288</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17585</Sole>
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      <None>150</None>
    </votingAuthority>
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    <nameOfIssuer>Lilly (Eli) &amp; Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>532457108</cusip>
    <value>22</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Lincoln National</nameOfIssuer>
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    <cusip>534187109</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5674</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5674</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>534187109</cusip>
    <value>11</value>
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      <Sole>200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539830109</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>1445</Sole>
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      <None>112</None>
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  <infoTable>
    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539830109</cusip>
    <value>104</value>
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      <None>0</None>
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    <nameOfIssuer>Lorillard Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>544147101</cusip>
    <value>212</value>
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      <None>0</None>
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    <nameOfIssuer>Lowe's Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>548661107</cusip>
    <value>1007</value>
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    <votingAuthority>
      <Sole>13539</Sole>
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      <None>0</None>
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    <nameOfIssuer>Luikart Heating &amp; Cooling</nameOfIssuer>
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    <cusip>410741070</cusip>
    <value>893</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
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    <nameOfIssuer>Magna International Inc</nameOfIssuer>
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    <cusip>559222401</cusip>
    <value>209</value>
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    <votingAuthority>
      <Sole>3800</Sole>
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      <None>101</None>
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    <nameOfIssuer>Manulife Financial</nameOfIssuer>
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    <cusip>56501R106</cusip>
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    <votingAuthority>
      <Sole>10980</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Manulife Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <value>44</value>
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      <None>0</None>
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    <nameOfIssuer>Marathon Oil Corporation</nameOfIssuer>
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    <value>359</value>
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      <Sole>13463</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>Marathon Oil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>565849106</cusip>
    <value>19</value>
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      <None>0</None>
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    <nameOfIssuer>Marathon Petroleum</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56585A102</cusip>
    <value>589</value>
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      <Sole>5408</Sole>
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      <None>346</None>
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    <nameOfIssuer>Marathon Petroleum</nameOfIssuer>
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    <value>28</value>
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    <nameOfIssuer>Mattel Inc</nameOfIssuer>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>Mattel Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <nameOfIssuer>McDonald's Corporation</nameOfIssuer>
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    <cusip>580135101</cusip>
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    <votingAuthority>
      <Sole>129705</Sole>
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      <None>5400</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>580135101</cusip>
    <value>533</value>
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      <Sole>5390</Sole>
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      <None>75</None>
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    <nameOfIssuer>McKesson Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>2766</value>
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    <votingAuthority>
      <Sole>11880</Sole>
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      <None>350</None>
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  <infoTable>
    <nameOfIssuer>McKesson Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>380</value>
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      <sshPrnamt>1678</sshPrnamt>
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      <None>350</None>
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    <nameOfIssuer>MeadWestvaco</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>583334107</cusip>
    <value>583</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11695</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MeadWestvaco</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>583334107</cusip>
    <value>2693</value>
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      <sshPrnamt>53994</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26110</Sole>
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      <None>27884</None>
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  <infoTable>
    <nameOfIssuer>Mechanics Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>563000991</cusip>
    <value>2168</value>
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      <sshPrnamt>2412</sshPrnamt>
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    <votingAuthority>
      <Sole>2412</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G5960L103</cusip>
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      <sshPrnamt>227485</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <votingAuthority>
      <Sole>10061</Sole>
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      <None>0</None>
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    <cusip>587376104</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21697</Sole>
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      <None>0</None>
    </votingAuthority>
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    <votingAuthority>
      <Sole>335509</Sole>
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      <None>3555</None>
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    <cusip>58933Y105</cusip>
    <value>908</value>
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      <sshPrnamt>15800</sshPrnamt>
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    <votingAuthority>
      <Sole>12140</Sole>
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      <None>3660</None>
    </votingAuthority>
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    <cusip>589433101</cusip>
    <value>171</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3075</Sole>
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      <None>0</None>
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      <None>0</None>
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    <cusip>589584101</cusip>
    <value>204</value>
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      <sshPrnamt>10675</sshPrnamt>
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    <votingAuthority>
      <Sole>10675</Sole>
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      <None>0</None>
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    <cusip>589584101</cusip>
    <value>53</value>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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    <cusip>59156R108</cusip>
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    <votingAuthority>
      <Sole>8513</Sole>
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      <None>0</None>
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    <cusip>594918104</cusip>
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      <sshPrnamt>705953</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>702372</Sole>
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      <None>3581</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>594918104</cusip>
    <value>965</value>
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      <sshPrnamt>23743</sshPrnamt>
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    <votingAuthority>
      <Sole>20468</Sole>
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      <None>3275</None>
    </votingAuthority>
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    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19198</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19198</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4087</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4087</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Monsanto Company</nameOfIssuer>
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    <cusip>61166W10</cusip>
    <value>305</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2643</Sole>
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      <None>65</None>
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    <nameOfIssuer>Moody's Corporation</nameOfIssuer>
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    <cusip>615369105</cusip>
    <value>329</value>
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      <sshPrnamt>3167</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3027</Sole>
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      <None>140</None>
    </votingAuthority>
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    <cusip>615369105</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>597</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16720</Sole>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MSCI Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>55354G100</cusip>
    <value>221</value>
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    <votingAuthority>
      <Sole>3600</Sole>
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      <None>0</None>
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    <nameOfIssuer>Muskingum Valley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>803991272</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>11493</Sole>
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      <None>0</None>
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    <nameOfIssuer>Nabors Industries Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G6359F103</cusip>
    <value>340</value>
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    <votingAuthority>
      <Sole>23335</Sole>
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      <None>1551</None>
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    <nameOfIssuer>National Oilwell Varco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>637071101</cusip>
    <value>499</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>9629</Sole>
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      <None>362</None>
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    <nameOfIssuer>Navient Corporation</nameOfIssuer>
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    <cusip>63938C108</cusip>
    <value>347</value>
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    <votingAuthority>
      <Sole>17078</Sole>
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      <None>0</None>
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    <nameOfIssuer>Navient Corporation</nameOfIssuer>
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    <cusip>63938C108</cusip>
    <value>42</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>Navigant Consulting Inc</nameOfIssuer>
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    <cusip>63935N107</cusip>
    <value>130</value>
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    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Nestle S A Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>256</value>
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    <votingAuthority>
      <Sole>2341</Sole>
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      <None>1046</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>567</value>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Newsgrade Corp</nameOfIssuer>
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    <cusip>NEWSGRA</cusip>
    <value>80</value>
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    <votingAuthority>
      <Sole>80000</Sole>
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      <None>0</None>
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    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
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    <cusip>65339F101</cusip>
    <value>4204</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40106</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
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    <cusip>65339F101</cusip>
    <value>47</value>
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      <Sole>150</Sole>
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      <None>300</None>
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    <nameOfIssuer>Nichols Trucking</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>10283000V</cusip>
    <value>889</value>
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      <Sole>16240</Sole>
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      <None>0</None>
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    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>654106103</cusip>
    <value>13805</value>
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    <votingAuthority>
      <Sole>137044</Sole>
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      <None>550</None>
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  <infoTable>
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    <cusip>654106103</cusip>
    <value>143</value>
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      <Sole>1430</Sole>
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      <None>0</None>
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    <nameOfIssuer>NiSource Inc</nameOfIssuer>
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    <cusip>65473P105</cusip>
    <value>5574</value>
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    <votingAuthority>
      <Sole>125826</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>100</value>
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      <sshPrnamt>2265</sshPrnamt>
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      <Sole>2265</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
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    <cusip>G65431101</cusip>
    <value>2153</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>149000</Sole>
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      <None>1786</None>
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  <infoTable>
    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2040</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>1043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10137</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10137</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>766</value>
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      <sshPrnamt>7442</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4442</Sole>
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      <None>3000</None>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1752</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1752</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>22665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>228062</Sole>
      <Shared>0</Shared>
      <None>1786</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4375</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>3444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72129</Sole>
      <Shared>0</Shared>
      <None>325</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Olin Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>680665205</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pall Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>696429307</cusip>
    <value>1770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17631</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pall Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>696429307</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Park National Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>700658107</cusip>
    <value>156576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1830014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1421443</Sole>
      <Shared>0</Shared>
      <None>408571</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Park National Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>700658107</cusip>
    <value>15634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>152357</Sole>
      <Shared>0</Shared>
      <None>30363</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pataskala Banking Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>238991566</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2160</Sole>
      <Shared>0</Shared>
      <None>3240</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Patriot Bancshares Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>015489551</cusip>
    <value>622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>497534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>497534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>704326107</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5979</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>704326107</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pentaflex, Inc Non-</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>PENT00077</cusip>
    <value>804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>713448108</cusip>
    <value>26465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>270737</Sole>
      <Shared>0</Shared>
      <None>6040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>713448108</cusip>
    <value>1025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9561</Sole>
      <Shared>0</Shared>
      <None>1160</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PerkinElmer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>714046109</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Perpetual Federal</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>714273109</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4804</Sole>
      <Shared>0</Shared>
      <None>2002</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Perpetual Federal</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>714273109</cusip>
    <value>1202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>717081103</cusip>
    <value>15362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>439423</Sole>
      <Shared>0</Shared>
      <None>2144</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>717081103</cusip>
    <value>568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15419</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>1368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25571</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Philip Morris International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718172109</cusip>
    <value>1497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19665</Sole>
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      <None>211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Philip Morris International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718172109</cusip>
    <value>618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8205</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718546104</cusip>
    <value>1412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17793</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718546104</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>2319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24698</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>149</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Svcs</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>693475857</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4838</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Svcs</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>693475857</cusip>
    <value>113</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>
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  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1099</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Praxair Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>74005P104</cusip>
    <value>541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Praxair Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>74005P104</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>742718109</cusip>
    <value>38389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>456293</Sole>
      <Shared>0</Shared>
      <None>12205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>742718109</cusip>
    <value>3197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32402</Sole>
      <Shared>0</Shared>
      <None>6620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Prudential Financial Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>744320102</cusip>
    <value>190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2366</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <votingAuthority>
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      <None>150</None>
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    <titleOfClass>Preferre</titleOfClass>
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    <value>236</value>
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    <votingAuthority>
      <Sole>8800</Sole>
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      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Public Storage Inc</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>747525103</cusip>
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    <votingAuthority>
      <Sole>10521</Sole>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>747525103</cusip>
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    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>Rayonier Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>HFE907109</cusip>
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    <votingAuthority>
      <Sole>50000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>772081105</cusip>
    <value>2</value>
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    <votingAuthority>
      <Sole>18000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>773903109</cusip>
    <value>192</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1657</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>773903109</cusip>
    <value>80</value>
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      <sshPrnamt>686</sshPrnamt>
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    <votingAuthority>
      <Sole>686</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>774341101</cusip>
    <value>169</value>
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      <sshPrnamt>1754</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1607</Sole>
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      <None>147</None>
    </votingAuthority>
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    <nameOfIssuer>Rockwell Collins Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>774341101</cusip>
    <value>35</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>366</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Royal Dutch Shell PLC</nameOfIssuer>
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    <cusip>780259206</cusip>
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    <votingAuthority>
      <Sole>66795</Sole>
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      <None>1023</None>
    </votingAuthority>
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    <cusip>780259206</cusip>
    <value>252</value>
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      <Sole>2919</Sole>
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      <None>1301</None>
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    <nameOfIssuer>RPM International Inc</nameOfIssuer>
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    <cusip>749685103</cusip>
    <value>429</value>
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    <votingAuthority>
      <Sole>8935</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>RPM International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>749685103</cusip>
    <value>42</value>
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    <votingAuthority>
      <Sole>683</Sole>
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      <None>200</None>
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    <nameOfIssuer>Ruch Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>6248RUCH</cusip>
    <value>2464</value>
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    <votingAuthority>
      <Sole>76</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCANA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>80589M102</cusip>
    <value>405</value>
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    <votingAuthority>
      <Sole>7370</Sole>
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      <None>0</None>
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    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>806857108</cusip>
    <value>9436</value>
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    <votingAuthority>
      <Sole>108197</Sole>
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      <None>4888</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>806857108</cusip>
    <value>447</value>
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      <sshPrnamt>5360</sshPrnamt>
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      <Sole>5360</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCI Engineered Materials</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78402S108</cusip>
    <value>163</value>
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      <Sole>155412</Sole>
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      <None>0</None>
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    <nameOfIssuer>Sherwin-Williams</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>824348106</cusip>
    <value>2271</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>7983</Sole>
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      <None>0</None>
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    <nameOfIssuer>Sigma-Aldrich Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>826552101</cusip>
    <value>270</value>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Simon Property Group</nameOfIssuer>
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    <cusip>828806109</cusip>
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    <votingAuthority>
      <Sole>2345</Sole>
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      <None>1324</None>
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    <nameOfIssuer>Simon Property Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>828806109</cusip>
    <value>108</value>
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      <Sole>25</Sole>
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      <None>529</None>
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    <nameOfIssuer>SLM Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78442P106</cusip>
    <value>158</value>
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    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
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    <cusip>832696405</cusip>
    <value>641</value>
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      <Sole>5338</Sole>
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    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
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    <cusip>832696405</cusip>
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      <Sole>480</Sole>
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      <None>288</None>
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    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
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    <cusip>833034101</cusip>
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      <Sole>2787</Sole>
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      <None>500</None>
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    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <nameOfIssuer>Sonoco Products</nameOfIssuer>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>835495102</cusip>
    <value>16</value>
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      <None>0</None>
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    <nameOfIssuer>Southern Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>842587107</cusip>
    <value>2728</value>
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    <votingAuthority>
      <Sole>61164</Sole>
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      <None>446</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>842587107</cusip>
    <value>66</value>
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      <None>100</None>
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    <nameOfIssuer>SPDR Gold Trust ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78463V107</cusip>
    <value>139</value>
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      <sshPrnamt>1219</sshPrnamt>
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    <votingAuthority>
      <Sole>1219</Sole>
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      <None>0</None>
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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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    <cusip>78467Y107</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>665</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MidCap 400</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78467Y107</cusip>
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      <sshPrnamt>475</sshPrnamt>
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      <Sole>475</Sole>
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      <None>0</None>
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    <cusip>847560109</cusip>
    <value>1368</value>
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      <sshPrnamt>37828</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37750</Sole>
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      <None>78</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
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    <value>58</value>
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      <sshPrnamt>1617</sshPrnamt>
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      <Sole>1617</Sole>
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    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>85207U105</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>85207U105</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Auto Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>855707105</cusip>
    <value>293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stryker Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>863667101</cusip>
    <value>678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stryker Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>863667101</cusip>
    <value>1020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7053</Sole>
      <Shared>0</Shared>
      <None>4000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Suncor Energy Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>867224107</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SunTrust Banks Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>867914103</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3168</Sole>
      <Shared>0</Shared>
      <None>8527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SVB Financial Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78486Q101</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>2272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>59320</Sole>
      <Shared>0</Shared>
      <None>892</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>2270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>87612E106</cusip>
    <value>5301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64137</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>87612E106</cusip>
    <value>76</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>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5634</Sole>
      <Shared>0</Shared>
      <None>6000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>1277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>8776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>153427</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>164</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>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
    <value>2021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28543</Sole>
      <Shared>0</Shared>
      <None>305</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1880</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Total S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89151E109</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10058</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Bank NA</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89641T104</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896522109</cusip>
    <value>568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1199</Sole>
      <Shared>0</Shared>
      <None>5375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>7301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66643</Sole>
      <Shared>0</Shared>
      <None>764</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>8667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88817</Sole>
      <Shared>0</Shared>
      <None>585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>102</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>2241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18947</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>120</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>915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>23418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>536255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>533609</Sole>
      <Shared>0</Shared>
      <None>2646</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15975</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Ecology Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91732J102</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7987</Sole>
      <Shared>0</Shared>
      <None>264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
