<SEC-DOCUMENT>0001144204-16-092306.txt : 20160401
<SEC-HEADER>0001144204-16-092306.hdr.sgml : 20160401
<ACCEPTANCE-DATETIME>20160401161523
ACCESSION NUMBER:		0001144204-16-092306
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160331
FILED AS OF DATE:		20160401
DATE AS OF CHANGE:		20160401
EFFECTIVENESS DATE:		20160401

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:		161547315

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

	MAIL ADDRESS:	
		STREET 1:		P O BOX 3500
		CITY:			NEWARK
		STATE:			OH
		ZIP:			43058-3500
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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      <periodOfReport>03-31-2016</periodOfReport>
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        <name>PARK NATIONAL CORP /OH/</name>
        <address>
          <ns1:street1>P O Box 3500</ns1:street1>
          <ns1:city>Newark</ns1:city>
          <ns1:stateOrCountry>OH</ns1:stateOrCountry>
          <ns1:zipCode>43058-3500</ns1:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>J. Bradley Zellar</name>
      <title>Vice President and Trust Officer</title>
      <phone>740-349-3904</phone>
      <signature>/s/ J. Bradley Zellar</signature>
      <city>Newark</city>
      <stateOrCountry>OH</stateOrCountry>
      <signatureDate>04-01-2016</signatureDate>
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      <None>60</None>
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    <cusip>03073E105</cusip>
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    <votingAuthority>
      <Sole>4000</Sole>
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      <None>0</None>
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    <cusip>031162100</cusip>
    <value>1858</value>
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    <votingAuthority>
      <Sole>12392</Sole>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>031162100</cusip>
    <value>106</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>710</Sole>
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      <None>0</None>
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    <nameOfIssuer>Amphenol Corp Class A</nameOfIssuer>
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    <cusip>032095101</cusip>
    <value>295</value>
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    <votingAuthority>
      <Sole>5100</Sole>
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      <None>0</None>
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    <cusip>032511107</cusip>
    <value>272</value>
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    <votingAuthority>
      <Sole>5851</Sole>
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      <None>0</None>
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    <value>286</value>
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    <votingAuthority>
      <Sole>4833</Sole>
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      <None>0</None>
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    <cusip>032654105</cusip>
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    <votingAuthority>
      <Sole>975</Sole>
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      <None>0</None>
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    <cusip>035710409</cusip>
    <value>206</value>
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    <votingAuthority>
      <Sole>20065</Sole>
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      <None>0</None>
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    <cusip>036752103</cusip>
    <value>273</value>
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      <sshPrnamt>1961</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1961</Sole>
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      <None>0</None>
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    <cusip>037411105</cusip>
    <value>581</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11539</Sole>
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      <None>362</None>
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    <nameOfIssuer>Apache Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>037411105</cusip>
    <value>10</value>
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      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>Apple Inc</nameOfIssuer>
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    <cusip>037833100</cusip>
    <value>23446</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>214278</Sole>
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      <None>840</None>
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    <nameOfIssuer>Apple Inc</nameOfIssuer>
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    <cusip>037833100</cusip>
    <value>1704</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14238</Sole>
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      <None>1400</None>
    </votingAuthority>
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    <nameOfIssuer>Applied Materials Inc</nameOfIssuer>
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    <cusip>038222105</cusip>
    <value>82</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3892</Sole>
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      <None>0</None>
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    <nameOfIssuer>Applied Materials Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>038222105</cusip>
    <value>163</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7700</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Aqua America Inc</nameOfIssuer>
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    <cusip>03836W10</cusip>
    <value>628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19721</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19721</Sole>
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      <None>0</None>
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    <nameOfIssuer>Aqua America Inc</nameOfIssuer>
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    <cusip>03836W10</cusip>
    <value>8</value>
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      <sshPrnamt>250</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
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    <nameOfIssuer>Autoliv Inc</nameOfIssuer>
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    <cusip>052800109</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1325</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1325</Sole>
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      <None>0</None>
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    <nameOfIssuer>Autoliv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>052800109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
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    <nameOfIssuer>Automatic Data</nameOfIssuer>
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      <Sole>344501</Sole>
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      <None>8154</None>
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    <nameOfIssuer>Automatic Data</nameOfIssuer>
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    <nameOfIssuer>Aviva PLC 8.25% Cap</nameOfIssuer>
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    <cusip>05382A203</cusip>
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    <votingAuthority>
      <Sole>8300</Sole>
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      <None>3385</None>
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  <infoTable>
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      <None>2295</None>
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    <nameOfIssuer>BP PLC Sponsored ADR</nameOfIssuer>
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    <nameOfIssuer>Baker Hughes Inc</nameOfIssuer>
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      <Sole>40655</Sole>
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      <None>10</None>
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      <Sole>14567</Sole>
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    <nameOfIssuer>Bank Of America Corp</nameOfIssuer>
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      <Sole>118750</Sole>
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    <nameOfIssuer>Bank of New York</nameOfIssuer>
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      <Sole>7746</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8441</Sole>
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      <None>0</None>
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  <infoTable>
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      <None>0</None>
    </votingAuthority>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8466</Sole>
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  <infoTable>
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    <nameOfIssuer>Becton Dickinson &amp; Co</nameOfIssuer>
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    <cusip>075887109</cusip>
    <value>1834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12081</sshPrnamt>
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      <Sole>11473</Sole>
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      <None>608</None>
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  <infoTable>
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    <cusip>075887109</cusip>
    <value>61</value>
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      <sshPrnamt>400</sshPrnamt>
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      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Bemis Company Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>081437105</cusip>
    <value>1825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35254</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>35054</Sole>
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      <None>200</None>
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  <infoTable>
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    <votingAuthority>
      <Sole>450</Sole>
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      <None>0</None>
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    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>084670108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
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    <votingAuthority>
      <Sole>39</Sole>
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      <None>9</None>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>084670702</cusip>
    <value>2015</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13281</Sole>
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      <None>921</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>084670702</cusip>
    <value>250</value>
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      <sshPrnamt>1761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1661</Sole>
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      <None>100</None>
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    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>09247X101</cusip>
    <value>345</value>
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      <sshPrnamt>1013</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1013</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>H &amp; R Block Inc</nameOfIssuer>
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    <cusip>093671105</cusip>
    <value>310</value>
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    <votingAuthority>
      <Sole>11750</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bob Evans Farms Inc</nameOfIssuer>
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    <cusip>096761101</cusip>
    <value>792</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16953</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Boeing Company (The)</nameOfIssuer>
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    <cusip>097023105</cusip>
    <value>2112</value>
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      <sshPrnamt>16635</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16385</Sole>
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      <None>250</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boeing Company (The)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>097023105</cusip>
    <value>330</value>
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      <sshPrnamt>2598</sshPrnamt>
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    <votingAuthority>
      <Sole>2598</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nichols Trucking</nameOfIssuer>
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    <cusip>10283000V</cusip>
    <value>889</value>
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      <sshPrnamt>16240</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16240</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>110122108</cusip>
    <value>3384</value>
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      <sshPrnamt>52968</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52568</Sole>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>110122108</cusip>
    <value>222</value>
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      <sshPrnamt>3482</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3282</Sole>
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      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Brown &amp; Brown Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>115236101</cusip>
    <value>3535</value>
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    <votingAuthority>
      <Sole>6000</Sole>
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      <None>92737</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDK Global Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>12508E101</cusip>
    <value>894</value>
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      <sshPrnamt>19204</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17038</Sole>
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      <None>2166</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDK Global Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>12508E101</cusip>
    <value>135</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2904</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>2013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14666</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14666</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3245</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3245</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CSX Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126408103</cusip>
    <value>4233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>164011</Sole>
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      <None>394</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126408103</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2494</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CVS Health Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126650100</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3470</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CVS Health Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126650100</cusip>
    <value>498</value>
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      <None>0</None>
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    <nameOfIssuer>CA Inc</nameOfIssuer>
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    <value>281</value>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>CaixaBank Unsponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>12803K109</cusip>
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    <votingAuthority>
      <Sole>37113</Sole>
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      <None>0</None>
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    <nameOfIssuer>CaixaBank Unsponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Canadian Pacific</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>13645T100</cusip>
    <value>214</value>
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      <sshPrnamt>1614</sshPrnamt>
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    <votingAuthority>
      <Sole>1032</Sole>
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      <None>582</None>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2440</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2440</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3700</Sole>
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      <None>113</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carolina Financial Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>143873107</cusip>
    <value>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20784</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20784</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9859</Sole>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>477</Sole>
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      <None>50</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151020104</cusip>
    <value>277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2763</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2763</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151020104</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>468</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Georgia Commerce</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>151111111</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25556</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25556</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>156700106</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10260</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CenturyLink Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>156700106</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1845</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>166764100</cusip>
    <value>25226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>258896</Sole>
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      <None>5530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>166764100</cusip>
    <value>1175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10634</Sole>
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      <None>1679</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Church &amp; Dwight Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171340102</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2027</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Church &amp; Dwight Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171340102</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Churchill Downs Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>171484108</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <None>3579</None>
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  <infoTable>
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      <None>613</None>
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      <None>100920</None>
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      <None>0</None>
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    <nameOfIssuer>Coca-Cola Company</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>Coca-Cola Company</nameOfIssuer>
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    <nameOfIssuer>Colgate-Palmolive</nameOfIssuer>
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    <nameOfIssuer>Coloplast A/S</nameOfIssuer>
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    <nameOfIssuer>Columbia Pipeline Group</nameOfIssuer>
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    <nameOfIssuer>Comcast Corporation</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>ConAgra Foods Inc</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ConAgra Foods Inc</nameOfIssuer>
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    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
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    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
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    <cusip>209115104</cusip>
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  <infoTable>
    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
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    <cusip>209115104</cusip>
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    <nameOfIssuer>Corning Inc</nameOfIssuer>
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      <None>1905</None>
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    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
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    <cusip>22160K105</cusip>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>22160K105</cusip>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
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    <cusip>235851102</cusip>
    <value>6297</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66282</Sole>
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      <None>97</None>
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  <infoTable>
    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>235851102</cusip>
    <value>16</value>
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      <Sole>170</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Pataskala Banking Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>238991566</cusip>
    <value>326</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2160</Sole>
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      <None>3240</None>
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  <infoTable>
    <nameOfIssuer>Daseke Inc Series B</nameOfIssuer>
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    <cusip>240692614</cusip>
    <value>500</value>
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      <sshPrnamt>400</sshPrnamt>
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    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Deere &amp; Company</nameOfIssuer>
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    <cusip>244199105</cusip>
    <value>1107</value>
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      <Sole>14376</Sole>
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      <None>0</None>
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    <cusip>244199105</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1225</Sole>
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      <None>0</None>
    </votingAuthority>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4985</Sole>
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      <None>0</None>
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    <nameOfIssuer>Devon Energy</nameOfIssuer>
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    <cusip>25179M103</cusip>
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    <votingAuthority>
      <Sole>8799</Sole>
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      <None>360</None>
    </votingAuthority>
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    <nameOfIssuer>Diebold Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>189023</Sole>
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      <None>391</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>253651103</cusip>
    <value>136</value>
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    <votingAuthority>
      <Sole>3643</Sole>
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      <None>1065</None>
    </votingAuthority>
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    <votingAuthority>
      <Sole>75345</Sole>
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      <None>650</None>
    </votingAuthority>
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    <value>501</value>
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    <votingAuthority>
      <Sole>5042</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Discover Financial</nameOfIssuer>
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    <cusip>254709108</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7691</Sole>
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      <None>261</None>
    </votingAuthority>
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    <nameOfIssuer>Discover Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
    <value>23</value>
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    <votingAuthority>
      <Sole>450</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29610</Sole>
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      <None>712</None>
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  <infoTable>
    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>830</Sole>
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      <None>0</None>
    </votingAuthority>
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    <votingAuthority>
      <Sole>55434</Sole>
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      <None>400</None>
    </votingAuthority>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
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    <votingAuthority>
      <Sole>1830</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
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    <votingAuthority>
      <Sole>162966</Sole>
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      <None>1693</None>
    </votingAuthority>
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    <nameOfIssuer>Du Pont E I de Nemours</nameOfIssuer>
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    <cusip>263534109</cusip>
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      <Sole>10369</Sole>
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      <None>140</None>
    </votingAuthority>
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    <cusip>26441C204</cusip>
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      <Sole>111237</Sole>
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      <None>4277</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>681</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>8046</Sole>
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      <None>400</None>
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    <nameOfIssuer>EAU Technologies Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMC Corporation</nameOfIssuer>
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      <Sole>266933</Sole>
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      <None>1100</None>
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    <titleOfClass>Equity</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>Eastman Chemical</nameOfIssuer>
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      <None>0</None>
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      <Sole>7000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Emerson Electric</nameOfIssuer>
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    <votingAuthority>
      <Sole>354781</Sole>
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      <None>6016</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>200</None>
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      <Sole>1978</Sole>
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      <None>448</None>
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    <nameOfIssuer>Delhaize Group</nameOfIssuer>
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    <votingAuthority>
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      <None>141</None>
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    <votingAuthority>
      <Sole>6639</Sole>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Expeditors International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>302130109</cusip>
    <value>123</value>
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      <sshPrnamt>2528</sshPrnamt>
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    <votingAuthority>
      <Sole>2528</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>302130109</cusip>
    <value>98</value>
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      <None>0</None>
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    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>322</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4693</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Express Scripts Holding</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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      <Sole>487</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <value>36321</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>428237</Sole>
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      <None>6273</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
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    <votingAuthority>
      <Sole>49579</Sole>
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      <None>540</None>
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  <infoTable>
    <nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30303M102</cusip>
    <value>399</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3495</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30303M102</cusip>
    <value>150</value>
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      <Sole>1200</Sole>
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      <None>111</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Fastenal Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>311900104</cusip>
    <value>223</value>
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      <sshPrnamt>4552</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3284</Sole>
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      <None>1268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fastenal Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>311900104</cusip>
    <value>98</value>
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      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Federated Investors Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>314211103</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6405</Sole>
      <Shared>0</Shared>
      <None>3432</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>16</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>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>1240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Defiance Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32006W10</cusip>
    <value>449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11696</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
    <titleOfClass>Conv</titleOfClass>
    <cusip>320209109</cusip>
    <value>208</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>2503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95447</Sole>
      <Shared>0</Shared>
      <None>1825</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Value Line</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2710</Sole>
      <Shared>0</Shared>
      <None>445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Large Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734K109</cusip>
    <value>566</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 Dow Jones</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734X200</cusip>
    <value>636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26803</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Dow Jones</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734X200</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Small Cap</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>1106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23891</Sole>
      <Shared>0</Shared>
      <None>625</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Mid Cap Core</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33735B108</cusip>
    <value>1121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22016</Sole>
      <Shared>0</Shared>
      <None>575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Tactical High</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738D408</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5800</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust NASDAQ</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738R118</cusip>
    <value>1350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49460</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust NASDAQ</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33738R118</cusip>
    <value>54</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>First Trust Preferred</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33739E108</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21550</Sole>
      <Shared>0</Shared>
      <None>1480</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Preferred</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33739E108</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337738108</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337738108</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstMerit Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337915102</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>1091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstEnergy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>337932107</cusip>
    <value>18</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>1034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42509</Sole>
      <Shared>0</Shared>
      <None>207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FlexShares iBoxx 3-</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33939L506</cusip>
    <value>833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33551</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FlexShares Global</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33939L787</cusip>
    <value>1220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FlexShares STOXX</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33939L795</cusip>
    <value>1214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27934</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>345370860</cusip>
    <value>17002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1255765</Sole>
      <Shared>0</Shared>
      <None>3628</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>345370860</cusip>
    <value>445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30164</Sole>
      <Shared>0</Shared>
      <None>2805</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Freeport-McMoran Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>35671D857</cusip>
    <value>1623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>156453</Sole>
      <Shared>0</Shared>
      <None>522</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Freeport-McMoran Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>35671D857</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2265</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Insignia Bank</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>362736270</cusip>
    <value>91</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>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gallagher (Arthur J) &amp; Co</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>363576109</cusip>
    <value>31</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>General Dynamics</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369550108</cusip>
    <value>3427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26007</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369550108</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369604103</cusip>
    <value>27497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>864964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>862378</Sole>
      <Shared>0</Shared>
      <None>2586</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>369604103</cusip>
    <value>2029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>63797</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Mills Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>370334104</cusip>
    <value>10886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170734</Sole>
      <Shared>0</Shared>
      <None>1103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Mills Inc</nameOfIssuer>
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      <None>1226</None>
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      <None>0</None>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GlaxoSmithkline PLC</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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      <Sole>86903</Sole>
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      <None>0</None>
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      <None>622</None>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Halliburton Company</nameOfIssuer>
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      <Sole>120936</Sole>
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      <None>1018</None>
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    <nameOfIssuer>Halliburton Company</nameOfIssuer>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Hanesbrands Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>23268</Sole>
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      <None>2499</None>
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    <nameOfIssuer>Luikart Heating &amp; Cooling</nameOfIssuer>
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    <cusip>410741070</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Harley-Davidson Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>32968</Sole>
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      <None>0</None>
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    <nameOfIssuer>Harley-Davidson Inc</nameOfIssuer>
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    <nameOfIssuer>Capital Resin</nameOfIssuer>
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    <nameOfIssuer>Hershey Company (The)</nameOfIssuer>
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    <nameOfIssuer>Hewlett Packard</nameOfIssuer>
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    <nameOfIssuer>Host Hotels &amp; Resorts Inc</nameOfIssuer>
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      <Sole>284706</Sole>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>31326</sshPrnamt>
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      <Sole>31171</Sole>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>Ingram Micro Inc Class A</nameOfIssuer>
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    <cusip>457153104</cusip>
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  <infoTable>
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    <votingAuthority>
      <Sole>760465</Sole>
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      <None>4009</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
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    <value>898</value>
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      <sshPrnamt>27762</sshPrnamt>
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      <None>1920</None>
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  <infoTable>
    <nameOfIssuer>Intercontinental</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>45866F104</cusip>
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      <sshPrnamt>2940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Intercontinental</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>45866F104</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Business</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459200101</cusip>
    <value>25776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>166621</Sole>
      <Shared>0</Shared>
      <None>3573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Business</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459200101</cusip>
    <value>4409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28604</Sole>
      <Shared>0</Shared>
      <None>510</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Flavors &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459506101</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Flavors &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>459506101</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Paper</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>460146103</cusip>
    <value>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Paper</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>460146103</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intuitive Surgical Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46120E602</cusip>
    <value>451</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>Iron Mountain Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46284V101</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5635</Sole>
      <Shared>0</Shared>
      <None>2166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Iron Mountain Inc (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46284V101</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Gold Trust ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464285105</cusip>
    <value>323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24665</Sole>
      <Shared>0</Shared>
      <None>2524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Dividend</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287168</cusip>
    <value>2066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Dividend</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287168</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1689</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Emerging</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287234</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Emerging</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287234</cusip>
    <value>75</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>5572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97472</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287465</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6427</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Consumer</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287580</cusip>
    <value>265</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>153</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>2012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17633</Sole>
      <Shared>0</Shared>
      <None>915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Technology</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287721</cusip>
    <value>256</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. Healthcare</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287762</cusip>
    <value>572</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>192</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>183</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>211</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>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6873</Sole>
      <Shared>0</Shared>
      <None>436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Energy ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>464287796</cusip>
    <value>109</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>407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10437</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>41356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>698340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>696573</Sole>
      <Shared>0</Shared>
      <None>1767</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P Morgan Chase &amp;</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>34095</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478160104</cusip>
    <value>39044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>349181</Sole>
      <Shared>0</Shared>
      <None>11672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478160104</cusip>
    <value>2588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23298</Sole>
      <Shared>0</Shared>
      <None>625</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478366107</cusip>
    <value>18476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>474115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>473066</Sole>
      <Shared>0</Shared>
      <None>1049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson Controls Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>478366107</cusip>
    <value>868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20463</Sole>
      <Shared>0</Shared>
      <None>1805</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kellogg Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>487836108</cusip>
    <value>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2397</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kellogg Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>487836108</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KeyCorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>493267108</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52239</Sole>
      <Shared>0</Shared>
      <None>3438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly-Clark</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>494368103</cusip>
    <value>2347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17295</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly-Clark</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>494368103</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>855</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>49456B101</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kinder Morgan Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>49456B101</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1918</Sole>
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      <None>50</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kraft Heinz Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>500754106</cusip>
    <value>509</value>
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      <sshPrnamt>6475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6475</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kraft Heinz Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>500754106</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1361</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kroger Co</nameOfIssuer>
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    <cusip>501044101</cusip>
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    <votingAuthority>
      <Sole>20132</Sole>
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      <None>17947</None>
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  <infoTable>
    <nameOfIssuer>L Brands Inc</nameOfIssuer>
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    <cusip>501797104</cusip>
    <value>947</value>
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      <sshPrnamt>10790</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10790</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>L Brands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>501797104</cusip>
    <value>44</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Lancaster Colony</nameOfIssuer>
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    <votingAuthority>
      <Sole>13700</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Estee Lauder Companies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>518439104</cusip>
    <value>1110</value>
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      <sshPrnamt>11765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11667</Sole>
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      <None>98</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Estee Lauder Companies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>518439104</cusip>
    <value>5</value>
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      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>56</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
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    <cusip>524660107</cusip>
    <value>599</value>
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      <sshPrnamt>12385</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12385</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>524660107</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
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    <nameOfIssuer>Lilly (Eli) &amp; Company</nameOfIssuer>
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    <cusip>532457108</cusip>
    <value>6114</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>84750</Sole>
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      <None>150</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Lilly (Eli) &amp; Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>532457108</cusip>
    <value>288</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3620</Sole>
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      <None>375</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Lloyds Banking Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539439109</cusip>
    <value>59</value>
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      <sshPrnamt>14972</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14972</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539830109</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1616</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1535</Sole>
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      <None>81</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>539830109</cusip>
    <value>113</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Lowe's Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>548661107</cusip>
    <value>1096</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14471</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MSCI Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>55354G100</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3600</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Magna International Inc</nameOfIssuer>
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    <cusip>559222401</cusip>
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    <votingAuthority>
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      <None>7</None>
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    <nameOfIssuer>Magna International Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>559222401</cusip>
    <value>326</value>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Mechanics Financial</nameOfIssuer>
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    <cusip>563000991</cusip>
    <value>2239</value>
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    <votingAuthority>
      <Sole>2412</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Manulife Financial</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>56501R106</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9280</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Manulife Financial</nameOfIssuer>
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      <Sole>2610</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Marathon Oil Corporation</nameOfIssuer>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>Marathon Oil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>565849106</cusip>
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      <None>0</None>
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    <nameOfIssuer>Marathon Petroleum</nameOfIssuer>
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    <cusip>56585A102</cusip>
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      <Sole>9054</Sole>
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  <infoTable>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Mattel Inc</nameOfIssuer>
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    <value>518</value>
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    <votingAuthority>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>Mattel Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>577081102</cusip>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>McDonald's Corporation</nameOfIssuer>
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    <cusip>580135101</cusip>
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    <votingAuthority>
      <Sole>111273</Sole>
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      <None>5430</None>
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  <infoTable>
    <nameOfIssuer>McDonald's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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      <Sole>4658</Sole>
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      <None>0</None>
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    <nameOfIssuer>McKesson Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>1836</value>
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      <Sole>11376</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>McKesson Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>264</value>
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      <sshPrnamt>1678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1678</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Mercantile Bank</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>587376104</cusip>
    <value>269</value>
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    <votingAuthority>
      <Sole>12000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Merck &amp; Company Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>21218</value>
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      <sshPrnamt>401030</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>398619</Sole>
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      <None>2411</None>
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  <infoTable>
    <nameOfIssuer>Merck &amp; Company Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>875</value>
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      <sshPrnamt>16545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16445</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Meredith Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>589433101</cusip>
    <value>146</value>
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      <sshPrnamt>3075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3075</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>Meredith Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>589433101</cusip>
    <value>65</value>
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      <sshPrnamt>1375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1375</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Meridian Bioscience Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>589584101</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10675</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Meridian Bioscience Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>589584101</cusip>
    <value>58</value>
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      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MetLife Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>59156R108</cusip>
    <value>164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MetLife Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>59156R108</cusip>
    <value>134</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>38212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>691875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>689227</Sole>
      <Shared>0</Shared>
      <None>2648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Microsoft Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>594918104</cusip>
    <value>1341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24078</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mondelez International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3038</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Moody's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>615369105</cusip>
    <value>303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Moody's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>615369105</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>18</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>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7455</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Jeld-Wen</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>639323620</cusip>
    <value>892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Navigant Consulting Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63935N107</cusip>
    <value>158</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>203</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>25</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>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4344</Sole>
      <Shared>0</Shared>
      <None>1204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nestle S A Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>New York Community</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>649445103</cusip>
    <value>172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10791</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>4363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36640</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>654106103</cusip>
    <value>13930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>225512</Sole>
      <Shared>0</Shared>
      <None>1100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>654106103</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>2691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>113917</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Norfolk Southern</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7442</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Northrop Grumman</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>18892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>260042</Sole>
      <Shared>0</Shared>
      <None>757</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4839</Sole>
      <Shared>0</Shared>
      <None>615</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>2597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54756</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>609</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>1297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21510</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>1820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21345</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>135</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>117</value>
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      <sshPrnamt>4015</sshPrnamt>
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    <votingAuthority>
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      <None>4015</None>
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    <votingAuthority>
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      <None>3838</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1803</Sole>
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      <None>0</None>
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      <Sole>2198</Sole>
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      <None>0</None>
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      <None>409883</None>
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      <Sole>146006</Sole>
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      <None>29313</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8255</Sole>
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      <None>0</None>
    </votingAuthority>
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      <Sole>1110</Sole>
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      <None>50</None>
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    <votingAuthority>
      <Sole>266703</Sole>
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      <None>5908</None>
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    <votingAuthority>
      <Sole>10753</Sole>
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      <None>0</None>
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      <sshPrnamt>8666</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8666</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>714273109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4704</Sole>
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      <None>2002</None>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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      <None>1335</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>50</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14756</Sole>
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      <None>207</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3705</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>15508</Sole>
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      <None>175</None>
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    <nameOfIssuer>Phillips 66</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4422</Sole>
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      <None>0</None>
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      <None>0</None>
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      <None>100</None>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>Reynolds American Inc</nameOfIssuer>
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    <nameOfIssuer>Community Bancshares</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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      <None>830</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Royal KPN N V</nameOfIssuer>
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    <value>43</value>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCI Engineered Materials</nameOfIssuer>
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    <cusip>78402S108</cusip>
    <value>122</value>
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      <Sole>155412</Sole>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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    <votingAuthority>
      <Sole>9560</Sole>
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      <None>0</None>
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      <None>0</None>
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      <None>1036</None>
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      <None>573</None>
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      <Sole>2843</Sole>
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    <cusip>874039100</cusip>
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      <Sole>1565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14846</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>219</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>8929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>155507</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>882508104</cusip>
    <value>165</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>27982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162261</Sole>
      <Shared>0</Shared>
      <None>5667</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7279</Sole>
      <Shared>0</Shared>
      <None>640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Total S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89151E109</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Total S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89151E109</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9589</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89417E109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </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>198</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>470</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>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15899</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>24459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>602592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600618</Sole>
      <Shared>0</Shared>
      <None>1974</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16000</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Unicharm Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>90460M204</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10285</Sole>
      <Shared>0</Shared>
      <None>9092</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>4857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60499</Sole>
      <Shared>0</Shared>
      <None>554</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>10368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97887</Sole>
      <Shared>0</Shared>
      <None>415</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>1944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19246</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>103</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>966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>193</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>Universal Health</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913903100</cusip>
    <value>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4606</Sole>
      <Shared>0</Shared>
      <None>248</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937827</cusip>
    <value>2073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25459</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 FTSE Europe</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922042874</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Long Term</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>17</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>241</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>195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vectren Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92240G101</cusip>
    <value>222</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>13787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>164302</Sole>
      <Shared>0</Shared>
      <None>220</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922908553</cusip>
    <value>887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>12178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>223451</Sole>
      <Shared>0</Shared>
      <None>1740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17024</Sole>
      <Shared>0</Shared>
      <None>2425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verisk Analytics Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92826C839</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>92826C839</cusip>
    <value>21</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>120</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>92857W30</cusip>
    <value>221</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6175</Sole>
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      <None>712</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>92857W30</cusip>
    <value>7</value>
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    <votingAuthority>
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      <None>61</None>
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    <nameOfIssuer>WEC Energy Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92939U106</cusip>
    <value>715</value>
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    <votingAuthority>
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      <None>700</None>
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    <nameOfIssuer>Wal-Mart Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>931142103</cusip>
    <value>6140</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>5162</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>931142103</cusip>
    <value>421</value>
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      <Sole>6140</Sole>
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      <None>0</None>
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    <nameOfIssuer>Wal-Mart de Mexico SAB</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>93114W10</cusip>
    <value>463</value>
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      <Sole>17937</Sole>
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      <None>1460</None>
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    <nameOfIssuer>Walgreens Boots</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>931427108</cusip>
    <value>10993</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>123475</Sole>
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      <None>7025</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>931427108</cusip>
    <value>118</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>94106L109</cusip>
    <value>3718</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62534</Sole>
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      <None>475</None>
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  <infoTable>
    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>94106L109</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4071</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3971</Sole>
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      <None>100</None>
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    <nameOfIssuer>Watsco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>942622200</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1575</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1575</Sole>
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      <None>0</None>
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    <nameOfIssuer>Wells Fargo &amp; Co (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>949746101</cusip>
    <value>16049</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>329243</Sole>
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      <None>2632</None>
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    <nameOfIssuer>Wells Fargo &amp; Co (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>949746101</cusip>
    <value>499</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9735</Sole>
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      <None>575</None>
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  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>949746879</cusip>
    <value>309</value>
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      <sshPrnamt>11030</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9121</Sole>
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      <None>1909</None>
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  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co 8.00%</nameOfIssuer>
    <titleOfClass>Preferre</titleOfClass>
    <cusip>949746879</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1909</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1909</None>
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    <nameOfIssuer>WesBanco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>950810101</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4973</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3973</Sole>
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      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WesBanco Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>950810101</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2937</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2937</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Western Union Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>959802109</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11907</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3075</Sole>
      <Shared>0</Shared>
      <None>8832</None>
    </votingAuthority>
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    <nameOfIssuer>WestRock Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>96145D105</cusip>
    <value>359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9197</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9197</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WestRock Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>96145D105</cusip>
    <value>1644</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20365</Sole>
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      <None>21749</None>
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    <nameOfIssuer>Wex Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>96208T104</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3600</Sole>
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      <None>0</None>
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    <nameOfIssuer>Weyerhaeuser Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>962166104</cusip>
    <value>653</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18472</Sole>
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      <None>2607</None>
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    <nameOfIssuer>Weyerhaeuser Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>962166104</cusip>
    <value>99</value>
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    <votingAuthority>
      <Sole>1724</Sole>
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      <None>1464</None>
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    <nameOfIssuer>Worthington Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>981811102</cusip>
    <value>703</value>
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      <sshPrnamt>19729</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19429</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>Worthington Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>981811102</cusip>
    <value>105</value>
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      <sshPrnamt>2938</sshPrnamt>
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    <votingAuthority>
      <Sole>2938</Sole>
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      <None>0</None>
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    <nameOfIssuer>Yum Brands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>988498101</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4994</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4921</Sole>
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      <None>73</None>
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    <nameOfIssuer>Zoetis Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>98978V103</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4547</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4479</Sole>
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      <None>68</None>
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    <nameOfIssuer>Columbus Dispatch</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>A19535251</cusip>
    <value>985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
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      <None>0</None>
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    <nameOfIssuer>Cohen &amp; Steers Qual Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>BKC47L109</cusip>
    <value>0</value>
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      <sshPrnamt>48300</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48300</Sole>
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      <None>0</None>
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    <nameOfIssuer>Marriott International</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>FHB903208</cusip>
    <value>0</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13640</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Allegion PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2013</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Allegion PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2640</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Allergan PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>1137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4156</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Allergan PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Amdocs Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G02602103</cusip>
    <value>376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6220</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Accenture PLC Ireland</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>9304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>79915</Sole>
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      <None>713</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Accenture PLC Ireland</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G29183103</cusip>
    <value>479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G29183103</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>1908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30475</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ingersoll-Rand PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G47791101</cusip>
    <value>492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>14555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>194064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>193764</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nabors Industries Limited</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G6359F103</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21416</Sole>
      <Shared>0</Shared>
      <None>424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>2089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>199772</Sole>
      <Shared>0</Shared>
      <None>2112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Noble Corp PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chubb Ltd (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>17628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>146545</Sole>
      <Shared>0</Shared>
      <None>1403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chubb Ltd (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5063</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>121</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>25</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>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Elbit Systems Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>M3760D101</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>Mylan NV Ordinary</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>N59465109</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>337</Sole>
      <Shared>0</Shared>
      <None>224</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mylan NV Ordinary</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>N59465109</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5287</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>483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
