<SEC-DOCUMENT>0001144204-16-126519.txt : 20161003
<SEC-HEADER>0001144204-16-126519.hdr.sgml : 20161003
<ACCEPTANCE-DATETIME>20161003162115
ACCESSION NUMBER:		0001144204-16-126519
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160930
FILED AS OF DATE:		20161003
DATE AS OF CHANGE:		20161003
EFFECTIVENESS DATE:		20161003

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:		161915959

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

	MAIL ADDRESS:	
		STREET 1:		P O BOX 3500
		CITY:			NEWARK
		STATE:			OH
		ZIP:			43058-3500
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2016</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>10-03-2016</signatureDate>
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    <votingAuthority>
      <Sole>1661</Sole>
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      <None>100</None>
    </votingAuthority>
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    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>09247X101</cusip>
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    <votingAuthority>
      <Sole>786</Sole>
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      <None>0</None>
    </votingAuthority>
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    <votingAuthority>
      <Sole>12301</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Bob Evans Farms Inc</nameOfIssuer>
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    <cusip>096761101</cusip>
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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>2117</value>
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      <sshPrnamt>16067</sshPrnamt>
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    <votingAuthority>
      <Sole>15742</Sole>
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      <None>325</None>
    </votingAuthority>
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    <nameOfIssuer>Boeing Company (The)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <value>342</value>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Nichols Trucking Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>10283000V</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Bristol-Myers Squibb Company</nameOfIssuer>
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    <votingAuthority>
      <Sole>54970</Sole>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>110122108</cusip>
    <value>182</value>
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      <None>200</None>
    </votingAuthority>
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    <nameOfIssuer>Brown &amp; Brown Inc</nameOfIssuer>
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    <value>3618</value>
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    <votingAuthority>
      <Sole>5800</Sole>
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      <None>90154</None>
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    <nameOfIssuer>CDK Global Inc</nameOfIssuer>
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    <cusip>12508E101</cusip>
    <value>744</value>
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    <votingAuthority>
      <Sole>10807</Sole>
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      <None>2166</None>
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  <infoTable>
    <nameOfIssuer>CDK Global Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>12508E101</cusip>
    <value>62</value>
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      <Sole>1074</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CIGNA Corporation</nameOfIssuer>
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    <value>1897</value>
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    <votingAuthority>
      <Sole>14559</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>125509109</cusip>
    <value>78</value>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CME Group Inc</nameOfIssuer>
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    <cusip>12572Q105</cusip>
    <value>316</value>
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    <votingAuthority>
      <Sole>3025</Sole>
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      <None>0</None>
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    <nameOfIssuer>CSX Corporation</nameOfIssuer>
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    <value>2905</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>94702</Sole>
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      <None>559</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>126408103</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>2310</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>304</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3414</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>427</value>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CA Inc</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>CaixaBank Unsponsored ADR</nameOfIssuer>
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      <None>587</None>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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      <None>113</None>
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    <nameOfIssuer>Carolina Financial Corp</nameOfIssuer>
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    <value>268</value>
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      <None>0</None>
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    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>149123101</cusip>
    <value>881</value>
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      <Sole>9726</Sole>
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      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
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    <cusip>149123101</cusip>
    <value>47</value>
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      <None>50</None>
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    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
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    <cusip>151020104</cusip>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Celgene Corporation</nameOfIssuer>
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    <value>49</value>
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  <infoTable>
    <nameOfIssuer>Georgia Commerce Bancshares Inc</nameOfIssuer>
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    <cusip>151111111</cusip>
    <value>518</value>
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      <None>0</None>
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    <nameOfIssuer>Central Federal Corporation</nameOfIssuer>
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    <nameOfIssuer>Chevron Corp</nameOfIssuer>
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      <Sole>259175</Sole>
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      <None>5655</None>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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  <infoTable>
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    <value>194</value>
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  <infoTable>
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    <value>48</value>
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      <Sole>1000</Sole>
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  <infoTable>
    <nameOfIssuer>Churchill Downs Inc</nameOfIssuer>
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    <cusip>171484108</cusip>
    <value>220</value>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cincinnati Financial Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172062101</cusip>
    <value>5242</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>69202</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>Cincinnati Financial Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>172062101</cusip>
    <value>380</value>
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      <Sole>4775</Sole>
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      <None>270</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cinemark Holdings Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
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    <value>294</value>
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      <None>2106</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
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    <value>28091</value>
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    <votingAuthority>
      <Sole>881627</Sole>
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      <None>3979</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>17275R102</cusip>
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    <votingAuthority>
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    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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      <None>95920</None>
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    <nameOfIssuer>Guggenheim BulletShares 2016 Corp Bond ETF</nameOfIssuer>
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    <nameOfIssuer>Coca-Cola Company</nameOfIssuer>
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    <nameOfIssuer>Colgate-Palmolive Company</nameOfIssuer>
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    <nameOfIssuer>Coloplast A/S Unsponsored ADR</nameOfIssuer>
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    <nameOfIssuer>Comcast Corporation Class A (New)</nameOfIssuer>
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    <nameOfIssuer>Comcast Corporation Class A (New)</nameOfIssuer>
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    <nameOfIssuer>ConAgra Foods Inc</nameOfIssuer>
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    <nameOfIssuer>ConAgra Foods Inc</nameOfIssuer>
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    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
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    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
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    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
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    <cusip>209115104</cusip>
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      <None>50</None>
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    <nameOfIssuer>Corning Inc</nameOfIssuer>
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    <nameOfIssuer>Corning Inc</nameOfIssuer>
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    <nameOfIssuer>Costco Wholesale Corporation</nameOfIssuer>
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    <cusip>22160K105</cusip>
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      <Sole>2098</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Costco Wholesale Corporation</nameOfIssuer>
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    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
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      <Sole>72022</Sole>
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      <None>97</None>
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  <infoTable>
    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>235851102</cusip>
    <value>27</value>
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      <None>0</None>
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    <nameOfIssuer>Pataskala Banking Co</nameOfIssuer>
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    <cusip>238991566</cusip>
    <value>326</value>
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      <Sole>2160</Sole>
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    <nameOfIssuer>Daseke Inc Series B Preferred Stock</nameOfIssuer>
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    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>Deere &amp; Company</nameOfIssuer>
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    <cusip>244199105</cusip>
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      <Sole>9472</Sole>
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  <infoTable>
    <nameOfIssuer>Deere &amp; Company</nameOfIssuer>
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    <cusip>244199105</cusip>
    <value>105</value>
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    <nameOfIssuer>Dell Technologies Inc Class V</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>24703L103</cusip>
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      <sshPrnamt>18724</sshPrnamt>
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    <votingAuthority>
      <Sole>18724</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Dell Technologies Inc Class V</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>24703L103</cusip>
    <value>3</value>
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      <Sole>63</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Deluxe Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>248019101</cusip>
    <value>333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4985</sshPrnamt>
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    <votingAuthority>
      <Sole>4985</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Devon Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25179M103</cusip>
    <value>353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7995</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7625</Sole>
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      <None>370</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Diageo PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1706</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Diageo PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Diebold Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>253651103</cusip>
    <value>1315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52661</Sole>
      <Shared>0</Shared>
      <None>391</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Diebold Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>253651103</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Disney (Walt) Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254687106</cusip>
    <value>7021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74963</Sole>
      <Shared>0</Shared>
      <None>650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Disney (Walt) Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254687106</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5042</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Discover Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
    <value>466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8232</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7967</Sole>
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      <None>265</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Discover Financial Services</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>254709108</cusip>
    <value>25</value>
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      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dominion Resources Inc VA (New)</nameOfIssuer>
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    <cusip>25746U109</cusip>
    <value>2306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30332</Sole>
      <Shared>0</Shared>
      <None>712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dominion Resources Inc VA (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>25746U109</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
    <value>2669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51501</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51101</Sole>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dow Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>260543103</cusip>
    <value>94</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1820</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours &amp; Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>263534109</cusip>
    <value>11234</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>166048</Sole>
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      <None>1693</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Du Pont E I de Nemours &amp; Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>263534109</cusip>
    <value>428</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6245</Sole>
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      <None>140</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corporation (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>7578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90490</Sole>
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      <None>4182</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corporation (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26441C204</cusip>
    <value>550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6869</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EAU Technologies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>26824Y104</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eastman Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>277432100</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1254</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eastman Chemical Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>277432100</cusip>
    <value>123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1824</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1824</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FDH Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>2805A2805</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Emerson Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
    <value>19213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352461</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>346395</Sole>
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      <None>6066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Emerson Electric Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>291011104</cusip>
    <value>954</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17304</Sole>
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      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Equifax Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>294429105</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2481</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1818</Sole>
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      <None>663</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Expeditors International of Washington Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>302130109</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4413</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4413</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Express Scripts Holding Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3158</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3158</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Express Scripts Holding Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30219G108</cusip>
    <value>34</value>
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      <sshPrnamt>487</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>487</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
    <value>38117</value>
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    <votingAuthority>
      <Sole>430327</Sole>
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      <None>6398</None>
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  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30231G102</cusip>
    <value>3751</value>
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      <sshPrnamt>42980</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42980</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30303M102</cusip>
    <value>517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4028</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4028</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>30303M102</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>111</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Federated Investors Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>314211103</cusip>
    <value>235</value>
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      <sshPrnamt>7926</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6405</Sole>
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      <None>1521</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>187</value>
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      <sshPrnamt>1068</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1068</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FedEx Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31428X106</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fidelity National Information Services Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620M106</cusip>
    <value>183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2374</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2374</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fidelity National Information Services Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620M106</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>224</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FNF Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>31620R303</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5450</Sole>
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      <None>1029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>1084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52974</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>316773100</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Defiance Financial Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>32006W106</cusip>
    <value>515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11546</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
    <titleOfClass>Conv Preferred Stock</titleOfClass>
    <cusip>320209109</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11947</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Value Line Dividend Index Fund</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>33734H106</cusip>
    <value>3183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117897</sshPrnamt>
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    <nameOfIssuer>FlexShares Morningstar Glbl Upstream Nat Res</nameOfIssuer>
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    <votingAuthority>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
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      <None>131</None>
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    <cusip>375558103</cusip>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
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    <votingAuthority>
      <Sole>1844</Sole>
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      <None>1063</None>
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    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Greif Inc Class A</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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      <None>658</None>
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      <None>0</None>
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    <nameOfIssuer>Halliburton Company</nameOfIssuer>
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    <votingAuthority>
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      <None>1018</None>
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    <cusip>406216101</cusip>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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      <None>7722</None>
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      <sshPrnamt>15173</sshPrnamt>
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      <None>8600</None>
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    <titleOfClass>Conv Preferred Stock</titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <sshPrnamt>24169</sshPrnamt>
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    <votingAuthority>
      <Sole>24014</Sole>
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      <None>155</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>3200</Sole>
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      <None>50</None>
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      <None>0</None>
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      <None>177</None>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>500754106</cusip>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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      <None>98</None>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
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      <None>500</None>
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      <None>0</None>
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      <None>63</None>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Mechanics Financial Corp</nameOfIssuer>
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    <cusip>58933Y105</cusip>
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      <None>100</None>
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    <cusip>589433101</cusip>
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      <None>0</None>
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    <cusip>589584101</cusip>
    <value>260</value>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>59156R108</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>594918104</cusip>
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    <votingAuthority>
      <Sole>673876</Sole>
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      <None>2648</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>594918104</cusip>
    <value>1373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23833</sshPrnamt>
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      <Sole>23543</Sole>
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    <cusip>595017104</cusip>
    <value>218</value>
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      <sshPrnamt>3515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Microchip Technology Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>595017104</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Mondelez International Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Mondelez International Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>609207105</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2011</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Monsanto Company</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>61166W101</cusip>
    <value>317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3033</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>341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>146</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Moody's Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>615369105</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Morgan Stanley</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>617446448</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ruch Corp</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>6248RUCHC</cusip>
    <value>2464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Multi-Color Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>625383104</cusip>
    <value>2970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Jeld-Wen</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>639323620</cusip>
    <value>2499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Navigant Consulting Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63935N107</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Navient Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63938C108</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Navient Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>63938C108</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nestle S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>641069406</cusip>
    <value>1007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11525</Sole>
      <Shared>0</Shared>
      <None>1221</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>New York Community Bancorp Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>649445103</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>3602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29274</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NextEra Energy Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65339F101</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>375</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>654106103</cusip>
    <value>17056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>322847</Sole>
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      <None>1100</None>
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  <infoTable>
    <nameOfIssuer>Nike Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>654106103</cusip>
    <value>298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5655</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>2520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>104232</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>NiSource Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>65473P105</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1015</Sole>
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      <None>0</None>
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    <nameOfIssuer>Norfolk Southern Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>911</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9386</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Norfolk Southern Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>655844108</cusip>
    <value>431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4442</Sole>
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      <None>0</None>
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    <nameOfIssuer>Northrop Grumman Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1678</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Northrop Grumman Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>666807102</cusip>
    <value>196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>914</Sole>
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      <None>0</None>
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    <nameOfIssuer>Novartis AG Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>21047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>265440</Sole>
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      <None>1108</None>
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  <infoTable>
    <nameOfIssuer>Novartis AG Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>66987V109</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5084</Sole>
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      <None>90</None>
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    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>2137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43069</Sole>
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      <None>150</None>
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  <infoTable>
    <nameOfIssuer>Nucor Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>670346105</cusip>
    <value>94</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1899</Sole>
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      <None>0</None>
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    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23518</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>68389X105</cusip>
    <value>584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14875</Sole>
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      <None>0</None>
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    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13778</Sole>
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      <None>205</None>
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  <infoTable>
    <nameOfIssuer>PG&amp;E Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>69331C108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC Financial Services Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>1867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20644</Sole>
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      <None>75</None>
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  <infoTable>
    <nameOfIssuer>PNC Financial Services Group</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693475105</cusip>
    <value>126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1400</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC Financial Svcs Group 6.125% Pfd Ser P</nameOfIssuer>
    <titleOfClass>Preferred Stock</titleOfClass>
    <cusip>693475857</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4050</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>4050</None>
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  <infoTable>
    <nameOfIssuer>PNC Financial Svcs Group 6.125% Pfd Ser P</nameOfIssuer>
    <titleOfClass>Preferred Stock</titleOfClass>
    <cusip>693475857</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>3838</None>
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    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2064</sshPrnamt>
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      <Sole>2064</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PPG Industries Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>693506107</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>2198</Sole>
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      <None>0</None>
    </votingAuthority>
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    <votingAuthority>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
      <Sole>2190</Sole>
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      <None>0</None>
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    <nameOfIssuer>Muskingum Valley Bancshares</nameOfIssuer>
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    <votingAuthority>
      <Sole>10493</Sole>
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      <None>0</None>
    </votingAuthority>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>124836</Sole>
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      <None>4595</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>806857108</cusip>
    <value>373</value>
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      <Sole>4745</Sole>
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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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    <nameOfIssuer>Sherwin-Williams Company</nameOfIssuer>
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    <votingAuthority>
      <Sole>4376</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2288</Sole>
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      <None>1044</None>
    </votingAuthority>
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    <cusip>828806109</cusip>
    <value>124</value>
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    <votingAuthority>
      <Sole>25</Sole>
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      <None>573</None>
    </votingAuthority>
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    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
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    <cusip>832696405</cusip>
    <value>663</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4693</Sole>
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      <None>200</None>
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    <cusip>832696405</cusip>
    <value>85</value>
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    <votingAuthority>
      <Sole>480</Sole>
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      <None>144</None>
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    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
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    <cusip>833034101</cusip>
    <value>587</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2843</Sole>
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      <None>1020</None>
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      <None>50</None>
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    <value>218</value>
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    <votingAuthority>
      <Sole>4125</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>842587107</cusip>
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    <votingAuthority>
      <Sole>110808</Sole>
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      <None>593</None>
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    <cusip>842587107</cusip>
    <value>259</value>
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      <None>50</None>
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    <nameOfIssuer>Spectra Energy Corporation</nameOfIssuer>
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    <cusip>847560109</cusip>
    <value>1608</value>
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    <votingAuthority>
      <Sole>37207</Sole>
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    <nameOfIssuer>Spectra Energy Corporation</nameOfIssuer>
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    <cusip>847560109</cusip>
    <value>69</value>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Sprint Corporation (New)</nameOfIssuer>
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    <votingAuthority>
      <Sole>6152</Sole>
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      <None>0</None>
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    <votingAuthority>
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    <votingAuthority>
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    <titleOfClass>Equity</titleOfClass>
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    <votingAuthority>
      <Sole>9071</Sole>
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      <None>0</None>
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      <None>8527</None>
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    <votingAuthority>
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      <None>963</None>
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    <titleOfClass>Equity</titleOfClass>
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    <cusip>872540109</cusip>
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    <votingAuthority>
      <Sole>22365</Sole>
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      <None>0</None>
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    <nameOfIssuer>Taiwan Semiconductor Manufacturing Co Spn ADR</nameOfIssuer>
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    <votingAuthority>
      <Sole>3584</Sole>
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      <None>3284</None>
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      <None>0</None>
    </votingAuthority>
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    <cusip>87612E106</cusip>
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    <votingAuthority>
      <Sole>237657</Sole>
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      <None>1082</None>
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    <titleOfClass>Equity</titleOfClass>
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      <Sole>5480</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical Industries Ltd Spons ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12873</sshPrnamt>
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    <votingAuthority>
      <Sole>12867</Sole>
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      <None>6</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>881624209</cusip>
    <value>166</value>
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      <sshPrnamt>3600</sshPrnamt>
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      <Sole>3600</Sole>
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      <None>0</None>
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    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>137630</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
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      <Sole>145526</Sole>
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      <None>5617</None>
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  <infoTable>
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    <titleOfClass>Equity</titleOfClass>
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    <value>1193</value>
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      <Sole>6769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Total S A Sponsored ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89151E109</cusip>
    <value>199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4170</Sole>
      <Shared>0</Shared>
      <None>10</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>8212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71247</Sole>
      <Shared>0</Shared>
      <None>440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>89417E109</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trimble Navigation Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>57</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 Ltd</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>896239100</cusip>
    <value>228</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>510</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>384</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>26337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>614056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>612082</Sole>
      <Shared>0</Shared>
      <None>1974</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US Bancorp (DE)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>902973304</cusip>
    <value>631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14706</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>4916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49883</Sole>
      <Shared>0</Shared>
      <None>525</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>907818108</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>10798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98368</Sole>
      <Shared>0</Shared>
      <None>371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>911312106</cusip>
    <value>115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1005</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>1857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18104</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Technologies Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913017109</cusip>
    <value>104</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>1064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91324P102</cusip>
    <value>210</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 Services Inc Class B</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>913903100</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1993</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4261</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Energy Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>64</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>Vanguard Short-Term Bond ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937827</cusip>
    <value>1802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22044</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term Bond ETF</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 Total Bond Market Index ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937835</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2627</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Total Bond Market Index ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>921937835</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Long Term Government Bond ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>18</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 Government Bond ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92206C847</cusip>
    <value>253</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>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vectren Corporation</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92240G101</cusip>
    <value>220</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>15146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>174399</Sole>
      <Shared>0</Shared>
      <None>220</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>922908553</cusip>
    <value>917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>9744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>185883</Sole>
      <Shared>0</Shared>
      <None>1570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92343V104</cusip>
    <value>805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15065</Sole>
      <Shared>0</Shared>
      <None>425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verisk Analytics Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>252</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>Vernay Laboratories Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>924315104</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92826C839</cusip>
    <value>293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92826C839</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC Energy Group Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>92939U106</cusip>
    <value>631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10233</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wal-Mart Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>931142103</cusip>
    <value>5964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77673</Sole>
      <Shared>0</Shared>
      <None>5025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wal-Mart Stores Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>931142103</cusip>
    <value>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wal-Mart de Mexico SAB DE CV Ser V Spons ADR</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>93114W107</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>Wells Fargo &amp; Co 6.625% Dep Shs Fxd/Flt Pfd R</nameOfIssuer>
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    <cusip>962166104</cusip>
    <value>108</value>
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    <cusip>981811102</cusip>
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    <nameOfIssuer>Yum Brands Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>988498101</cusip>
    <value>461</value>
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    <nameOfIssuer>Zoetis Inc</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>98978V103</cusip>
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    <nameOfIssuer>Columbus Dispatch Printing Company</nameOfIssuer>
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    <cusip>A19535251</cusip>
    <value>985</value>
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    <nameOfIssuer>Cohen &amp; Steers Qual Inc Rlty FRACTIONAL SHS</nameOfIssuer>
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    <cusip>BKC47L109</cusip>
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    <nameOfIssuer>Accenture PLC Ireland Shares Class A</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>8580</value>
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    <value>322</value>
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    <cusip>G47791101</cusip>
    <value>860</value>
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    <nameOfIssuer>Johnson Controls International PLC</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>G51502105</cusip>
    <value>18886</value>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>G51502105</cusip>
    <value>812</value>
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    <cusip>G5960L103</cusip>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>749</value>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>G6359F103</cusip>
    <value>236</value>
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    <cusip>G65431101</cusip>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>G65431101</cusip>
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      <sshPrnamt>1175</sshPrnamt>
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    <votingAuthority>
      <Sole>1175</Sole>
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      <None>0</None>
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    <nameOfIssuer>Chubb Ltd (New)</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>H1467J104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>145301</sshPrnamt>
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    <titleOfClass>Equity</titleOfClass>
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    <votingAuthority>
      <Sole>5043</Sole>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>HFE907109</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>K7220ABSA</cusip>
    <value>121</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>K722ABS00</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20781</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>M3760D101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>0</Shared>
      <None>39</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>M3760D101</cusip>
    <value>287</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>N59465109</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>0</Shared>
      <None>407</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>N59465109</cusip>
    <value>189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <titleOfClass>Equity</titleOfClass>
    <cusip>NEWSGRADE</cusip>
    <value>80</value>
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      <sshPrnamt>80000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Pentaflex, Inc Non-Voting Common</nameOfIssuer>
    <titleOfClass>Equity</titleOfClass>
    <cusip>PENT00077</cusip>
    <value>483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
