<SEC-DOCUMENT>0001144204-15-040385.txt : 20150701
<SEC-HEADER>0001144204-15-040385.hdr.sgml : 20150701
<ACCEPTANCE-DATETIME>20150701160516
ACCESSION NUMBER:		0001144204-15-040385
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20150630
FILED AS OF DATE:		20150701
DATE AS OF CHANGE:		20150701
EFFECTIVENESS DATE:		20150701

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:		15965096

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

	MAIL ADDRESS:	
		STREET 1:		P O BOX 3500
		CITY:			NEWARK
		STATE:			OH
		ZIP:			43058-3500
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xsi:schemaLocation="http://www.sec.gov/edgar/thirteenffiler eis_13F_Filer.xsd" xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:ns1="http://www.sec.gov/edgar/common" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0000805676</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2015</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2015</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>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <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>07-01-2015</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>548</tableEntryTotal>
      <tableValueTotal>1459944</tableValueTotal>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>infotable.xml
<TEXT>
<XML>
<?xml version="1.0" ?>
<informationTable xsi:schemaLocation="http://www.sec.gov/edgar/document/thirteenf/informationtable eis_13FDocument.xsd" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:n1="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <infoTable>
    <nameOfIssuer>Acco Brands</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>00081T108</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Acco Brands</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>00081T108</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>422</Sole>
      <Shared>0</Shared>
      <None>9197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>1055102</cusip>
    <value>173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2608</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>1055102</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1043</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGL Resources Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>1204106</cusip>
    <value>724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGL Resources Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>1204106</cusip>
    <value>131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>1008</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>00206R102</cusip>
    <value>11178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>313459</Sole>
      <Shared>0</Shared>
      <None>1250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>00206R102</cusip>
    <value>1568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28857</Sole>
      <Shared>0</Shared>
      <None>15288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Abbott Laboratories</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>2824100</cusip>
    <value>26328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>536422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>533233</Sole>
      <Shared>0</Shared>
      <None>3189</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Abbott Laboratories</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>2824100</cusip>
    <value>1001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18705</Sole>
      <Shared>0</Shared>
      <None>1685</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AbbVie Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>10341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>153105</Sole>
      <Shared>0</Shared>
      <None>801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AbbVie Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11879</Sole>
      <Shared>0</Shared>
      <None>1685</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Aetna Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>00817Y108</cusip>
    <value>403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Agilent Technologies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>00846U101</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3551</Sole>
      <Shared>0</Shared>
      <None>2031</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Air Products &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>9158106</cusip>
    <value>12113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88228</Sole>
      <Shared>0</Shared>
      <None>296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Air Products &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>9158106</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3248</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alcoa Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>13817101</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alcoa Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>13817101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Patriot Bancshares Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>15489551</cusip>
    <value>622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>497534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>497534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Allstate Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>20002101</cusip>
    <value>1119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Allstate Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>20002101</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Altria Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>02209S103</cusip>
    <value>1428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28819</Sole>
      <Shared>0</Shared>
      <None>387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Altria Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>02209S103</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>America Movil S.A. de</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>02364W10</cusip>
    <value>425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Electric Power</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25537101</cusip>
    <value>1363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24513</Sole>
      <Shared>0</Shared>
      <None>1226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Electric Power</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25537101</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>1829</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Express Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25816109</cusip>
    <value>18665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>238645</Sole>
      <Shared>0</Shared>
      <None>1513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Express Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25816109</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4810</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AmerisourceBergen</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307E108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AmerisourceBergen</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307E108</cusip>
    <value>425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amgen Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31162100</cusip>
    <value>1897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amgen Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31162100</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amphenol Corp Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32095101</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5300</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Anadarko Petroleum</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32511107</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5884</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Analog Devices Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32654105</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Analog Devices Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32654105</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Anthem Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>36752103</cusip>
    <value>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Apache Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>37411105</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14111</Sole>
      <Shared>0</Shared>
      <None>717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Apache Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>37411105</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Apple Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>37833100</cusip>
    <value>23749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>188062</Sole>
      <Shared>0</Shared>
      <None>1285</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Apple Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>37833100</cusip>
    <value>1945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14108</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Applied Materials Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38222105</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Applied Materials Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38222105</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Aqua America Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>03836W10</cusip>
    <value>461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Aqua America Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>03836W10</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Autoliv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>52800109</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Autoliv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>52800109</cusip>
    <value>198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Automatic Data</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>53015103</cusip>
    <value>27770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>337700</Sole>
      <Shared>0</Shared>
      <None>8436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Automatic Data</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>53015103</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12328</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Aviva PLC 8.25% Cap</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>05382A203</cusip>
    <value>337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8900</Sole>
      <Shared>0</Shared>
      <None>3634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Aviva PLC 8.25% Cap</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>05382A203</cusip>
    <value>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>2191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>55622104</cusip>
    <value>460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11423</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>55622104</cusip>
    <value>176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1998</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Baker Hughes Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>57224107</cusip>
    <value>2210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Baker Hughes Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>57224107</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ball Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58498106</cusip>
    <value>1025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank Of America Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>60505104</cusip>
    <value>2712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>140316</Sole>
      <Shared>0</Shared>
      <None>19000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank Of America Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>60505104</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank of New York</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>64058100</cusip>
    <value>23128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>551072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>547755</Sole>
      <Shared>0</Shared>
      <None>3317</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank of New York</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>64058100</cusip>
    <value>666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15877</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bard (C R) Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>67383109</cusip>
    <value>1322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Baxter International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>71813109</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10544</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Baxter International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>71813109</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Becton Dickinson &amp; Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>75887109</cusip>
    <value>1688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11749</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Becton Dickinson &amp; Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>75887109</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bemis Company Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>81437105</cusip>
    <value>2146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47474</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bemis Company Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>81437105</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>84670108</cusip>
    <value>10038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>84670702</cusip>
    <value>1812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12393</Sole>
      <Shared>0</Shared>
      <None>921</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>84670702</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1661</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>09247X101</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>H &amp; R Block Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>93671105</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bob Evans Farms Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>96761101</cusip>
    <value>1003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Boeing Company (The)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>97023105</cusip>
    <value>1741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12251</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Boeing Company (The)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>97023105</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2598</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nichols Trucking</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>10283000V</cusip>
    <value>889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Briggs &amp; Stratton Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>109043109</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Briggs &amp; Stratton Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>109043109</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>110122108</cusip>
    <value>3554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53358</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>110122108</cusip>
    <value>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3382</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Broadridge Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>11133T103</cusip>
    <value>192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>3018</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Broadridge Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>11133T103</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Brown &amp; Brown Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>115236101</cusip>
    <value>3243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>92691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDK Global Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125E105</cusip>
    <value>2653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46808</Sole>
      <Shared>0</Shared>
      <None>2332</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDK Global Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125E105</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3661</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>2689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126408103</cusip>
    <value>2913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88169</Sole>
      <Shared>0</Shared>
      <None>1051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126408103</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS Health Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126650100</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS Health Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126650100</cusip>
    <value>503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3700</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Carolinal Financial Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>143873107</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8474</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>477</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Georgia Commerce</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151111111</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>156700106</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11049</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>156700106</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1945</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chesapeake Utilities</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>165303108</cusip>
    <value>380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7054</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>166764100</cusip>
    <value>25923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>263014</Sole>
      <Shared>0</Shared>
      <None>5699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>166764100</cusip>
    <value>1435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11504</Sole>
      <Shared>0</Shared>
      <None>3374</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chubb Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171232101</cusip>
    <value>23074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>241106</Sole>
      <Shared>0</Shared>
      <None>1425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chubb Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171232101</cusip>
    <value>711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7356</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Church &amp; Dwight Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171340102</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1993</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Church &amp; Dwight Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171340102</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cincinnati Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172062101</cusip>
    <value>3734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74113</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cincinnati Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172062101</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>17275R102</cusip>
    <value>21960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>799691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>795195</Sole>
      <Shared>0</Shared>
      <None>4496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>17275R102</cusip>
    <value>970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35227</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172908105</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>762</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172908105</cusip>
    <value>186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Citizens National</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>174767103</cusip>
    <value>2673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Civista Bancshares Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>178867107</cusip>
    <value>1155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3664</Sole>
      <Shared>0</Shared>
      <None>103280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M522</cusip>
    <value>925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43897</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M530</cusip>
    <value>1739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80015</Sole>
      <Shared>0</Shared>
      <None>1760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M548</cusip>
    <value>2528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>107355</Sole>
      <Shared>0</Shared>
      <None>3745</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M548</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M555</cusip>
    <value>3312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>143648</Sole>
      <Shared>0</Shared>
      <None>5425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M555</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M563</cusip>
    <value>2127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>96987</Sole>
      <Shared>0</Shared>
      <None>1225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Guggenheim</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>18383M563</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Clorox Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>189054109</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Clorox Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>189054109</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Coca-Cola Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>191216100</cusip>
    <value>26627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>678747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>666656</Sole>
      <Shared>0</Shared>
      <None>12091</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Coca-Cola Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>191216100</cusip>
    <value>1084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22340</Sole>
      <Shared>0</Shared>
      <None>5300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Colgate-Palmolive</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>194162103</cusip>
    <value>4938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74879</Sole>
      <Shared>0</Shared>
      <None>615</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Colgate-Palmolive</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>194162103</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>20030N101</cusip>
    <value>2848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>20030N101</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>574</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>20030N200</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Compass Minerals</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>20451N101</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ConAgra Foods Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>205887102</cusip>
    <value>642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ConAgra Foods Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>205887102</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>20825C104</cusip>
    <value>17730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>287311</Sole>
      <Shared>0</Shared>
      <None>1406</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>20825C104</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8397</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>209115104</cusip>
    <value>648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10940</Sole>
      <Shared>0</Shared>
      <None>251</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>209115104</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Corning Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>219350105</cusip>
    <value>10136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>510891</Sole>
      <Shared>0</Shared>
      <None>2820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Corning Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>219350105</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10282</Sole>
      <Shared>0</Shared>
      <None>1645</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>22160K105</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2153</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>22160K105</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cumulus Media Inc Class</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>231082108</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>235851102</cusip>
    <value>6312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73334</Sole>
      <Shared>0</Shared>
      <None>413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>235851102</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pataskala Banking Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>238991566</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2160</Sole>
      <Shared>0</Shared>
      <None>3240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Daseke Inc Series B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>240692614</cusip>
    <value>500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Deere &amp; Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>244199105</cusip>
    <value>1501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Deere &amp; Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>244199105</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Deluxe Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>248019101</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Devon Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25179M103</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4989</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Diebold Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>253651103</cusip>
    <value>3959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111684</Sole>
      <Shared>0</Shared>
      <None>1443</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Diebold Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>253651103</cusip>
    <value>115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2228</Sole>
      <Shared>0</Shared>
      <None>1065</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Disney (Walt) Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254687106</cusip>
    <value>8338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72474</Sole>
      <Shared>0</Shared>
      <None>575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Disney (Walt) Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254687106</cusip>
    <value>570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Discover Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
    <value>447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7491</Sole>
      <Shared>0</Shared>
      <None>270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Discover Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29053</Sole>
      <Shared>0</Shared>
      <None>712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25746U109</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
    <value>2921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56687</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>263534109</cusip>
    <value>9933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>153413</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>667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5675</Sole>
      <Shared>0</Shared>
      <None>4750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>7918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>107418</Sole>
      <Shared>0</Shared>
      <None>4709</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6468</Sole>
      <Shared>0</Shared>
      <None>2233</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAU Technologies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26824Y104</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMC Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>268648102</cusip>
    <value>8245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>311243</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMC Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>268648102</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eastman Chemical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>277432100</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eastman Chemical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>277432100</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Emerson Electric</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
    <value>19711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>349252</Sole>
      <Shared>0</Shared>
      <None>6343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Emerson Electric</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
    <value>988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15701</Sole>
      <Shared>0</Shared>
      <None>2125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Equifax Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>294429105</cusip>
    <value>277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>958</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Delhaize Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>29759W10</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30161N101</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12002</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exelon Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30161N101</cusip>
    <value>3</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>Expeditors International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>302130109</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Expeditors International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>302130109</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3915</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
    <value>37944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>456059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>449378</Sole>
      <Shared>0</Shared>
      <None>6681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
    <value>4532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>51099</Sole>
      <Shared>0</Shared>
      <None>3370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30303M102</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1396</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30303M102</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Family Dollar Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>307000109</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Federated Investors Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>314211103</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6450</Sole>
      <Shared>0</Shared>
      <None>3715</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1308</Sole>
      <Shared>0</Shared>
      <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>FNF Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620R303</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>1633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>78414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Defiance Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32006W10</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
    <titleOfClass>Conv</titleOfClass>
    <cusip>320209109</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>1569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63465</Sole>
      <Shared>0</Shared>
      <None>3650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2185</Sole>
      <Shared>0</Shared>
      <None>445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Large Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734K109</cusip>
    <value>581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12580</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Large Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734K109</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Small Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>1226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23905</Sole>
      <Shared>0</Shared>
      <None>625</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Mid Cap Core</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33735B108</cusip>
    <value>1224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22130</Sole>
      <Shared>0</Shared>
      <None>575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust NASDAQ</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738R118</cusip>
    <value>779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28798</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust NASDAQ</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738R118</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337738108</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>798</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337738108</cusip>
    <value>497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>1053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FlexShares Morningstar</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33939L407</cusip>
    <value>406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>345370860</cusip>
    <value>14289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>951989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>943606</Sole>
      <Shared>0</Shared>
      <None>8383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>345370860</cusip>
    <value>403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24015</Sole>
      <Shared>0</Shared>
      <None>2805</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Freeport-McMoran Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>35671D857</cusip>
    <value>1441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>76191</Sole>
      <Shared>0</Shared>
      <None>1217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Freeport-McMoran Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>35671D857</cusip>
    <value>126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6580</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Insignia Bank</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>362736270</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gallagher (Arthur J) &amp; Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>363576109</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369550108</cusip>
    <value>3934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27686</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369550108</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369604103</cusip>
    <value>24044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>904925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>901020</Sole>
      <Shared>0</Shared>
      <None>3905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369604103</cusip>
    <value>1859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62044</Sole>
      <Shared>0</Shared>
      <None>7940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Mills Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>370334104</cusip>
    <value>8997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160112</Sole>
      <Shared>0</Shared>
      <None>1363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Mills Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>370334104</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Genuine Parts Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>372460105</cusip>
    <value>19711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>218386</Sole>
      <Shared>0</Shared>
      <None>1774</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Genuine Parts Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>372460105</cusip>
    <value>596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6662</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>375558103</cusip>
    <value>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1375</Sole>
      <Shared>0</Shared>
      <None>149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>375558103</cusip>
    <value>164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Google Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38259P508</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Google Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38259P508</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>537</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Google Inc Class C</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>38259P706</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gorman-Rupp Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>383082104</cusip>
    <value>1740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gorman-Rupp Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>383082104</cusip>
    <value>561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Grainger W W Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>384802104</cusip>
    <value>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1508</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Byrne Warehousing Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>394939500</cusip>
    <value>1034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Halliburton Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>406216101</cusip>
    <value>4240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>96831</Sole>
      <Shared>0</Shared>
      <None>1616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Halliburton Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>406216101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Hanesbrands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>410345102</cusip>
    <value>775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Luikart Heating &amp; Cooling</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>410741070</cusip>
    <value>893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Harley-Davidson Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>412822108</cusip>
    <value>2028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Harley-Davidson Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>412822108</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Harsco Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>415864107</cusip>
    <value>183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11078</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Harsco Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>415864107</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Capital Resin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>417604176</cusip>
    <value>4046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Healthcare Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>421906108</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Hershey Company (The)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>427866108</cusip>
    <value>374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Hershey Company (The)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>427866108</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Hewlett-Packard</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>428236103</cusip>
    <value>757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Hewlett-Packard</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>428236103</cusip>
    <value>145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>437076102</cusip>
    <value>18535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>159214</Sole>
      <Shared>0</Shared>
      <None>7575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>437076102</cusip>
    <value>1322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Honeywell International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>438516106</cusip>
    <value>694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Honeywell International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>438516106</cusip>
    <value>486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4764</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Host Hotels &amp; Resorts Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>44107P104</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>9988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Host Hotels &amp; Resorts Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>44107P104</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Houston Wire &amp; Cable</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>44244K109</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Houston Wire &amp; Cable</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>44244K109</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Huntington Bancshares</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>446150104</cusip>
    <value>3659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>323433</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Huntington Bancshares</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>446150104</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Huntington Bancshares</nameOfIssuer>
    <titleOfClass>Conv</titleOfClass>
    <cusip>446150401</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Illinois Tool Works Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>452308109</cusip>
    <value>3347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36311</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Illinois Tool Works Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>452308109</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intel Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>458140100</cusip>
    <value>21212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>697411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>692510</Sole>
      <Shared>0</Shared>
      <None>4901</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intel Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>458140100</cusip>
    <value>821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25084</Sole>
      <Shared>0</Shared>
      <None>1920</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Integrys Energy Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>45822P105</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Integrys Energy Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>45822P105</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Business</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459200101</cusip>
    <value>25476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>152895</Sole>
      <Shared>0</Shared>
      <None>3729</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Business</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459200101</cusip>
    <value>4738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28801</Sole>
      <Shared>0</Shared>
      <None>325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Flavors &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459506101</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Flavors &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459506101</cusip>
    <value>180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Paper</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>460146103</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7527</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Paper</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>460146103</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intuitive Surgical Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46120E602</cusip>
    <value>415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>848</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Iron Mountain Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46284V101</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6164</Sole>
      <Shared>0</Shared>
      <None>2103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Iron Mountain Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46284V101</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>842</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Gold Trust ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464285105</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43192</Sole>
      <Shared>0</Shared>
      <None>3847</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Dividend</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287168</cusip>
    <value>1785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23747</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Dividend</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287168</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1564</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Emerging</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287234</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Emerging</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287234</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287465</cusip>
    <value>5160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81273</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287465</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Consumer</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287580</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1660</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Consumer</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287580</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Technology</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287721</cusip>
    <value>1948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17692</Sole>
      <Shared>0</Shared>
      <None>915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Technology</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287721</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Real Estate</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287739</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4368</Sole>
      <Shared>0</Shared>
      <None>678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Healthcare</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287762</cusip>
    <value>646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3965</Sole>
      <Shared>0</Shared>
      <None>105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Healthcare</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287762</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Financials</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287788</cusip>
    <value>194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Financials</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287788</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Energy ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287796</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9516</Sole>
      <Shared>0</Shared>
      <None>477</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Energy ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287796</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Preferred</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464288687</cusip>
    <value>547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Preferred</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464288687</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P Morgan Chase &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46625H100</cusip>
    <value>48122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>707903</Sole>
      <Shared>0</Shared>
      <None>2281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P Morgan Chase &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32762</Sole>
      <Shared>0</Shared>
      <None>2600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478160104</cusip>
    <value>34539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>342281</Sole>
      <Shared>0</Shared>
      <None>12107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478160104</cusip>
    <value>2314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18288</Sole>
      <Shared>0</Shared>
      <None>5450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478366107</cusip>
    <value>19543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>392450</Sole>
      <Shared>0</Shared>
      <None>2116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478366107</cusip>
    <value>1031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20160</Sole>
      <Shared>0</Shared>
      <None>650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kellogg Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>487836108</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2883</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kellogg Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>487836108</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KeyCorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>493267108</cusip>
    <value>909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57057</Sole>
      <Shared>0</Shared>
      <None>3438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly-Clark</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>494368103</cusip>
    <value>1947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18222</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly-Clark</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>494368103</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>855</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kinder Morgan Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>49456B101</cusip>
    <value>351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7291</Sole>
      <Shared>0</Shared>
      <None>1852</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kinder Morgan Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>49456B101</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1918</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kraft Foods Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>50076Q106</cusip>
    <value>659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kraft Foods Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>50076Q106</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kroger Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>501044101</cusip>
    <value>1426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10134</Sole>
      <Shared>0</Shared>
      <None>9531</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L Brands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>501797104</cusip>
    <value>994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L Brands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>501797104</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lancaster Colony</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>513847103</cusip>
    <value>1245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Estee Lauder Companies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>518439104</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4590</Sole>
      <Shared>0</Shared>
      <None>419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>524660107</cusip>
    <value>610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>524660107</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lilly (Eli) &amp; Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>532457108</cusip>
    <value>1453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17258</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lilly (Eli) &amp; Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>532457108</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lincoln National</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>534187109</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lincoln National</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>534187109</cusip>
    <value>6</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>LinnCo LLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>535782106</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539830109</cusip>
    <value>290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1445</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539830109</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>511</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lowe's Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>548661107</cusip>
    <value>814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>55354G100</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Magna International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>559222401</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Magna International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>559222401</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mechanics Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>563000991</cusip>
    <value>2168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Manulife Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56501R106</cusip>
    <value>173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Manulife Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56501R106</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Marathon Oil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>565849106</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12164</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Marathon Oil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>565849106</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Marathon Petroleum</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56585A102</cusip>
    <value>588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10534</Sole>
      <Shared>0</Shared>
      <None>698</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Marathon Petroleum</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56585A102</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mattel Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>577081102</cusip>
    <value>570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22107</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mattel Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>577081102</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>McDonald's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>580135101</cusip>
    <value>12392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>124946</Sole>
      <Shared>0</Shared>
      <None>5400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>McDonald's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>580135101</cusip>
    <value>483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5008</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>McKesson Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>2744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11857</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>McKesson Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1328</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MeadWestvaco</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>583334107</cusip>
    <value>509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MeadWestvaco</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>583334107</cusip>
    <value>2590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>27010</Sole>
      <Shared>0</Shared>
      <None>27884</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mercantile Bank</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>587376104</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Merck &amp; Company Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>19861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>348860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>345305</Sole>
      <Shared>0</Shared>
      <None>3555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Merck &amp; Company Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12800</Sole>
      <Shared>0</Shared>
      <None>3660</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Meredith Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>589433101</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Meredith Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>589433101</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Meridian Bioscience Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>589584101</cusip>
    <value>199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Meridian Bioscience Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>589584101</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MetLife Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>59156R108</cusip>
    <value>198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MetLife Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>59156R108</cusip>
    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Microsoft Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>594918104</cusip>
    <value>30859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>698955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>695497</Sole>
      <Shared>0</Shared>
      <None>3458</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Microsoft Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>594918104</cusip>
    <value>1050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20513</Sole>
      <Shared>0</Shared>
      <None>3275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2011</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Monsanto Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>61166W10</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2584</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Moody's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>615369105</cusip>
    <value>339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Moody's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>615369105</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ruch Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>6248RUCH</cusip>
    <value>2464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>National Oilwell Varco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>637071101</cusip>
    <value>555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11124</Sole>
      <Shared>0</Shared>
      <None>362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Jeld-Wen</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>639323620</cusip>
    <value>939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Navigant Consulting Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63935N107</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Navient Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63938C108</cusip>
    <value>310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Navient Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63938C108</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nestle S A Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2491</Sole>
      <Shared>0</Shared>
      <None>1445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nestle S A Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>3913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39614</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>654106103</cusip>
    <value>15129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>139511</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>654106103</cusip>
    <value>159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>5683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>124344</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4442</Sole>
      <Shared>0</Shared>
      <None>3000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>22956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>231650</Sole>
      <Shared>0</Shared>
      <None>1786</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4700</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>2990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67601</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>1220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24650</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>2322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24098</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Svcs</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>693475857</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3938</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pall Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>696429307</cusip>
    <value>2177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pall Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>696429307</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Park National Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>700658107</cusip>
    <value>158781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1817345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1408774</Sole>
      <Shared>0</Shared>
      <None>408571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Park National Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>700658107</cusip>
    <value>15310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>144866</Sole>
      <Shared>0</Shared>
      <None>30363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>704326107</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5761</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>704326107</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>713448108</cusip>
    <value>25717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>269477</Sole>
      <Shared>0</Shared>
      <None>6040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PepsiCo Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>713448108</cusip>
    <value>1055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10141</Sole>
      <Shared>0</Shared>
      <None>1160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PerkinElmer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>714046109</cusip>
    <value>456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Perpetual Federal</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>714273109</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>1290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>717081103</cusip>
    <value>14584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>432803</Sole>
      <Shared>0</Shared>
      <None>2144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>717081103</cusip>
    <value>547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15419</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Philip Morris International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718172109</cusip>
    <value>1619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19991</Sole>
      <Shared>0</Shared>
      <None>207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Philip Morris International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718172109</cusip>
    <value>594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718546104</cusip>
    <value>1445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17760</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>718546104</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Praxair Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>74005P104</cusip>
    <value>529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4423</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>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>742718109</cusip>
    <value>36627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>455933</Sole>
      <Shared>0</Shared>
      <None>12205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>742718109</cusip>
    <value>3039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32227</Sole>
      <Shared>0</Shared>
      <None>6620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Prudential Financial Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>744320102</cusip>
    <value>194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2221</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Prudential Financial Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>744320102</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Public Storage Inc</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>74460W60</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8400</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Public Storage Inc</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>74460W60</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM Incorporated</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>747525103</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM Incorporated</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>747525103</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>749685103</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>749685103</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>683</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Community Bancshares</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>762991271</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rockwell Automation Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>773903109</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rockwell Automation Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>773903109</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Dutch Shell PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>780259206</cusip>
    <value>4380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75806</Sole>
      <Shared>0</Shared>
      <None>1023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Dutch Shell PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>780259206</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2919</Sole>
      <Shared>0</Shared>
      <None>1301</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCI Engineered Materials</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78402S108</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>155412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLM Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78442P106</cusip>
    <value>168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLM Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78442P106</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Gold Trust ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78463V107</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Gold Trust ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78463V107</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MidCap 400</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MidCap 400</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SVB Financial Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>78486Q101</cusip>
    <value>315</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>Muskingum Valley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>803991272</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCANA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>80589M102</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>806857108</cusip>
    <value>9785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>108636</Sole>
      <Shared>0</Shared>
      <None>4890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>806857108</cusip>
    <value>462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Communitybanc, Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>808991277</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sherwin-Williams</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>824348106</cusip>
    <value>2144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sigma-Aldrich Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>826552101</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Simon Property Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>828806109</cusip>
    <value>633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2335</Sole>
      <Shared>0</Shared>
      <None>1324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Simon Property Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>828806109</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>529</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>832696405</cusip>
    <value>605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5380</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>832696405</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>833034101</cusip>
    <value>511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2708</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>833034101</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sonoco Products</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>835495102</cusip>
    <value>186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sonoco Products</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>835495102</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Southern Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>842587107</cusip>
    <value>2665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63164</Sole>
      <Shared>0</Shared>
      <None>446</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Southern Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>842587107</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1320</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Spectra Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>847560109</cusip>
    <value>1231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37685</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Spectra Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>847560109</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>85207U105</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sprint Corporation New</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>85207U105</cusip>
    <value>122</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>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stryker Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>863667101</cusip>
    <value>1056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7053</Sole>
      <Shared>0</Shared>
      <None>4000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SunTrust Banks Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>867914103</cusip>
    <value>483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2691</Sole>
      <Shared>0</Shared>
      <None>8527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>2796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>76269</Sole>
      <Shared>0</Shared>
      <None>1192</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>871829107</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>2270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECO Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872375100</cusip>
    <value>205</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>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
    <value>1905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28491</Sole>
      <Shared>0</Shared>
      <None>296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>872540109</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>876E110</cusip>
    <value>5221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63510</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>876E110</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>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>7879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>152959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>27122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>169972</Sole>
      <Shared>0</Shared>
      <None>5805</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7314</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Total S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>892E113</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4073</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>894E113</cusip>
    <value>935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9671</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Bank NA</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89641T104</cusip>
    <value>500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trinity Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896522109</cusip>
    <value>423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>23354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>535473</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>16800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16075</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>6392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66319</Sole>
      <Shared>0</Shared>
      <None>709</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2996</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>8847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90641</Sole>
      <Shared>0</Shared>
      <None>649</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>
    </shrsOrPrnAmt>
    <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>2051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18315</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>215</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>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6714</Sole>
      <Shared>0</Shared>
      <None>266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937827</cusip>
    <value>3476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43095</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937827</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Long Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Long Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vectren Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92240G101</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vectren Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92240G101</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922908553</cusip>
    <value>9914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>132511</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922908553</cusip>
    <value>763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>10110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>215453</Sole>
      <Shared>0</Shared>
      <None>1445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14137</Sole>
      <Shared>0</Shared>
      <None>6570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verisk Analytics Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>199</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Viacom Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92553P201</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wal-Mart Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>931142103</cusip>
    <value>7553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>101269</Sole>
      <Shared>0</Shared>
      <None>5212</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wal-Mart Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>931142103</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wal-Mart de Mexico SAB</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>93114W10</cusip>
    <value>439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16400</Sole>
      <Shared>0</Shared>
      <None>1527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Walgreens Boots</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>931427108</cusip>
    <value>11403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>128017</Sole>
      <Shared>0</Shared>
      <None>7025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Walgreens Boots</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>931427108</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>94106L109</cusip>
    <value>4322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92721</Sole>
      <Shared>0</Shared>
      <None>525</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>94106L109</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4346</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>949746101</cusip>
    <value>8114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>141565</Sole>
      <Shared>0</Shared>
      <None>2708</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>949746101</cusip>
    <value>94</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>949746879</cusip>
    <value>293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8121</Sole>
      <Shared>0</Shared>
      <None>2274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>949746879</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WesBanco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>950810101</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3458</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WesBanco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>950810101</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Western Union Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>959802109</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4275</Sole>
      <Shared>0</Shared>
      <None>9701</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>96208T104</cusip>
    <value>453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wisconsin Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>976657106</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Worthington Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>981811102</cusip>
    <value>685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22481</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Worthington Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>981811102</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2938</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Yum Brands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>988498101</cusip>
    <value>515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5641</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Zoetis Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>98978V103</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4348</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Columbus Dispatch</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>A19535251</cusip>
    <value>985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cohen &amp; Steers Qual Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>BKC47L109</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Marriott International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>FHB903208</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Allegion PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2287</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Allegion PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1741</Sole>
      <Shared>0</Shared>
      <None>833</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amdocs Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G02602103</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6250</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Accenture PLC Ireland</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>7988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81985</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Accenture PLC Ireland</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G29183103</cusip>
    <value>620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9132</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G29183103</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>2319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33900</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5227</Sole>
      <Shared>0</Shared>
      <None>2500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>16450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>221691</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9911</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nabors Industries Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G6359F103</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25608</Sole>
      <Shared>0</Shared>
      <None>1551</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>2471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>158852</Sole>
      <Shared>0</Shared>
      <None>1691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rayonier Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>HFE907109</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABS Materials Inc Series</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>K7220ABS</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABS Materials Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>K722ABS0</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Elbit Systems Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>M3760D101</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Newsgrade Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>NEWSGRA</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pentaflex, Inc Non-</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>PENT00077</cusip>
    <value>804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
