<SEC-DOCUMENT>0001104659-22-041746.txt : 20220401
<SEC-HEADER>0001104659-22-041746.hdr.sgml : 20220401
<ACCEPTANCE-DATETIME>20220401161525
ACCESSION NUMBER:		0001104659-22-041746
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220331
FILED AS OF DATE:		20220401
DATE AS OF CHANGE:		20220401
EFFECTIVENESS DATE:		20220401

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:		22798413

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

	MAIL ADDRESS:	
		STREET 1:		P O BOX 3500
		CITY:			NEWARK
		STATE:			OH
		ZIP:			43058-3500
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0000805676</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2022</periodOfReport>
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        <name>PARK NATIONAL CORP /OH/</name>
        <address>
          <ns1:street1>P O Box 3500</ns1:street1>
          <ns1:city>Newark</ns1:city>
          <ns1:stateOrCountry>OH</ns1:stateOrCountry>
          <ns1:zipCode>43058-3500</ns1:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>J. Bradley Zellar</name>
      <title>Vice President and Trust Officer</title>
      <phone>740-349-3904</phone>
      <signature>/s/ J. Bradley Zellar</signature>
      <city>Newark</city>
      <stateOrCountry>OH</stateOrCountry>
      <signatureDate>04-01-2022</signatureDate>
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      <sshPrnamt>6161</sshPrnamt>
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    <votingAuthority>
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    <shrsOrPrnAmt>
      <sshPrnamt>52894</sshPrnamt>
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      <sshPrnamt>2290</sshPrnamt>
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    <votingAuthority>
      <Sole>3019</Sole>
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      <None>0</None>
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      <sshPrnamt>188127</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>186887</Sole>
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      <None>1240</None>
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    <cusip>126650100</cusip>
    <value>306</value>
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      <sshPrnamt>3028</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2838</Sole>
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      <None>190</None>
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      <sshPrnamt>80695</sshPrnamt>
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    <votingAuthority>
      <Sole>80695</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5173</Sole>
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      <None>2645</None>
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    <value>1799</value>
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      <sshPrnamt>8076</sshPrnamt>
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    <votingAuthority>
      <Sole>7946</Sole>
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      <None>130</None>
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    <value>203</value>
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      <Sole>910</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>227953</Sole>
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      <None>1719</None>
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    <value>1535</value>
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      <Sole>9425</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>8562</Sole>
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      <None>53</None>
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    <value>41</value>
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      <sshPrnamt>26</sshPrnamt>
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    <votingAuthority>
      <Sole>26</Sole>
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      <None>0</None>
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    <nameOfIssuer>Cincinnati Financial Corporati</nameOfIssuer>
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      <sshPrnamt>33697</sshPrnamt>
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    <votingAuthority>
      <Sole>33697</Sole>
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      <None>0</None>
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    <value>173</value>
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      <sshPrnamt>1275</sshPrnamt>
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      <Sole>975</Sole>
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      <None>300</None>
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    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
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      <None>2157</None>
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    <value>555</value>
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    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
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      <Sole>9537</Sole>
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      <None>0</None>
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    <value>184</value>
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    <votingAuthority>
      <Sole>3455</Sole>
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      <None>0</None>
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    <value>43</value>
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      <None>0</None>
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    <nameOfIssuer>Civista Bancshares Inc</nameOfIssuer>
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    <value>561</value>
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    <votingAuthority>
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      <None>22000</None>
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    <votingAuthority>
      <Sole>6558</Sole>
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      <None>473</None>
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  <infoTable>
    <nameOfIssuer>Clorox Company</nameOfIssuer>
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      <sshPrnamt>2134</sshPrnamt>
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    <nameOfIssuer>Coca-Cola Company</nameOfIssuer>
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    <votingAuthority>
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    <votingAuthority>
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      <None>2151</None>
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      <None>0</None>
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    <nameOfIssuer>Constellation Brands Inc Class</nameOfIssuer>
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    <cusip>21036P108</cusip>
    <value>532</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2311</Sole>
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      <None>0</None>
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    <nameOfIssuer>Corning Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29409</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
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    <value>150</value>
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      <sshPrnamt>4060</sshPrnamt>
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    <votingAuthority>
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      <None>865</None>
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    <value>544</value>
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      <None>318</None>
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    <cusip>22052L104</cusip>
    <value>9</value>
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      <sshPrnamt>159</sshPrnamt>
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    <votingAuthority>
      <Sole>159</Sole>
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      <None>0</None>
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    <nameOfIssuer>Costco Wholesale Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160K105</cusip>
    <value>17103</value>
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      <sshPrnamt>29700</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29444</Sole>
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      <None>256</None>
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  <infoTable>
    <nameOfIssuer>Costco Wholesale Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160K105</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>138</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Crown Castle International Cor</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22822V101</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1368</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DR Horton Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>23331A109</cusip>
    <value>15302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205369</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>203268</Sole>
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      <None>2101</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>23331A109</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1994</Sole>
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      <None>240</None>
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  <infoTable>
    <nameOfIssuer>DTE Energy Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>233331107</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1684</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DTE Energy Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>233331107</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Danaher Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>103101</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>102883</Sole>
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      <None>218</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>235851102</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Deere &amp; Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>244199105</cusip>
    <value>22331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53147</Sole>
      <Shared>0</Shared>
      <None>603</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Deere &amp; Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>244199105</cusip>
    <value>342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>823</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Delta Air Lines Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>247361702</cusip>
    <value>1434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36250</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Diageo PLC Sponsored ADR</nameOfIssuer>
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    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>999</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>253OSB253</cusip>
    <value>578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Disney (Walt) Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>254687106</cusip>
    <value>46386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>336597</Sole>
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      <None>1590</None>
    </votingAuthority>
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    <titleOfClass>Com</titleOfClass>
    <cusip>254687106</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3134</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Discover Financial Services</nameOfIssuer>
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    <cusip>254709108</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5481</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dollar General Corporation (Ne</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>256677105</cusip>
    <value>6047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26761</Sole>
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      <None>402</None>
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    <nameOfIssuer>Dollar General Corporation (Ne</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>256677105</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>201</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dominion Energy Inc</nameOfIssuer>
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    <cusip>25746U109</cusip>
    <value>1060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12073</Sole>
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      <None>400</None>
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    <value>68</value>
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      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dow Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10010</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8635</Sole>
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      <None>1375</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>260557103</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>117</Sole>
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      <None>0</None>
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    <nameOfIssuer>DSV A/S Unsponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26251A108</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1574</Sole>
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      <None>1391</None>
    </votingAuthority>
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    <nameOfIssuer>Duke Energy Corporation (New)</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18199</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18099</Sole>
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      <None>100</None>
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    <nameOfIssuer>Duke Energy Corporation (New)</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26441C204</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3957</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3957</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DuPont de Nemours Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26614N102</cusip>
    <value>974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13102</Sole>
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      <None>135</None>
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  <infoTable>
    <nameOfIssuer>DuPont de Nemours Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26614N102</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ecolab Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>278865100</cusip>
    <value>11751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66555</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66098</Sole>
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      <None>457</None>
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    <nameOfIssuer>Ecolab Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>278865100</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>229</Sole>
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      <None>0</None>
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    <nameOfIssuer>Emerson Electric Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>291011104</cusip>
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      <sshPrnamt>164840</sshPrnamt>
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    <votingAuthority>
      <Sole>164003</Sole>
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      <None>837</None>
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    <nameOfIssuer>Emerson Electric Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>291011104</cusip>
    <value>705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7187</Sole>
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      <None>0</None>
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    <nameOfIssuer>Expeditors International of Wa</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>302130109</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2134</Sole>
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      <None>0</None>
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    <nameOfIssuer>Experian PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30215C101</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8483</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3914</Sole>
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      <None>4569</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>30231G102</cusip>
    <value>13682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>165429</Sole>
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      <None>228</None>
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  <infoTable>
    <nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30231G102</cusip>
    <value>3440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41656</Sole>
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      <None>0</None>
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    <nameOfIssuer>Meta Platforms Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30303M102</cusip>
    <value>15456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>69350</Sole>
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      <None>157</None>
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  <infoTable>
    <nameOfIssuer>Meta Platforms Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30303M102</cusip>
    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>887</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Fanhua Inc Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30712A103</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16135</Sole>
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      <None>0</None>
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    <nameOfIssuer>Fastenal Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>311900104</cusip>
    <value>483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8136</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Fidelity National Information</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>31620M106</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>316773100</cusip>
    <value>2263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52570</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>316773100</cusip>
    <value>131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Merchants Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320817109</cusip>
    <value>2125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51070</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Trust Capital Strength E</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33733E104</cusip>
    <value>21995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>272616</Sole>
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      <None>8653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Capital Strength E</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33733E104</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5200</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Tr NASDAQ Clean Edge Gre</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33733E500</cusip>
    <value>1453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Tr NASDAQ Clean Edge Gre</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33733E500</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>First Trust Value Line Dividen</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33734H106</cusip>
    <value>17999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>406831</Sole>
      <Shared>0</Shared>
      <None>18676</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Value Line Dividen</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33734H106</cusip>
    <value>192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust Large Cap Core Alp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33734K109</cusip>
    <value>1710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18774</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Large Cap Core Alp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33734K109</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust Dow Jones Global S</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33734X200</cusip>
    <value>9123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>329095</Sole>
      <Shared>0</Shared>
      <None>30921</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Dow Jones Global S</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33734X200</cusip>
    <value>164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>Com</titleOfClass>
    <cusip>33734Y109</cusip>
    <value>4216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40530</Sole>
      <Shared>0</Shared>
      <None>5507</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Small Cap Core Alp</nameOfIssuer>
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    <cusip>33734Y109</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust Mid Cap Core Alpha</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33735B108</cusip>
    <value>2775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23028</Sole>
      <Shared>0</Shared>
      <None>5258</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust Mid Cap Core Alpha</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33735B108</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust North Amer Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33738D101</cusip>
    <value>4595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>157869</Sole>
      <Shared>0</Shared>
      <None>8060</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust North Amer Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33738D101</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust Tactical High Yiel</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33738D408</cusip>
    <value>21893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>472465</Sole>
      <Shared>0</Shared>
      <None>5972</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Tactical High Yiel</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33738D408</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6796</Sole>
      <Shared>0</Shared>
      <None>1855</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust NASDAQ Tech Divide</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33738R118</cusip>
    <value>14926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>246458</Sole>
      <Shared>0</Shared>
      <None>6775</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust NASDAQ Tech Divide</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33738R118</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1216</Sole>
      <Shared>0</Shared>
      <None>525</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust NASDAQ Rising Div</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33738R506</cusip>
    <value>11807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>229833</Sole>
      <Shared>0</Shared>
      <None>11135</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust NASDAQ Rising Div</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33738R506</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Preferred Securiti</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33739E108</cusip>
    <value>84095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4421399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4386308</Sole>
      <Shared>0</Shared>
      <None>35091</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Preferred Securiti</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33739E108</cusip>
    <value>1455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>72010</Sole>
      <Shared>0</Shared>
      <None>4500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Enhanced Short Mat</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33739Q408</cusip>
    <value>21012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>349881</Sole>
      <Shared>0</Shared>
      <None>3086</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Trust Enhanced Short Mat</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33739Q408</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4112</Sole>
      <Shared>0</Shared>
      <None>1275</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares MS US Market Factor</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L100</cusip>
    <value>1075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6004</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares MS Emerging Mkts Fa</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L308</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10468</Sole>
      <Shared>0</Shared>
      <None>279</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares Morningstar Glbl Up</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L407</cusip>
    <value>3742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>79470</Sole>
      <Shared>0</Shared>
      <None>442</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares iBoxx 3-Year Target</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L506</cusip>
    <value>1609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61937</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares Core Select Bond ET</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L670</cusip>
    <value>4022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>163364</Sole>
      <Shared>0</Shared>
      <None>1829</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FlexShares US Quality Large Ca</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L746</cusip>
    <value>1901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36762</Sole>
      <Shared>0</Shared>
      <None>1244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FlexShares Global Quality Real</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L787</cusip>
    <value>1227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17369</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares STOXX Global Broad</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L795</cusip>
    <value>1205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20890</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FlexShares Morn Dev Mkts ex-US</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L803</cusip>
    <value>1224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17437</Sole>
      <Shared>0</Shared>
      <None>548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Perry-Sycamore LP- Spcl LP Int</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>340387895</cusip>
    <value>387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>345370860</cusip>
    <value>9818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>575485</Sole>
      <Shared>0</Shared>
      <None>5108</None>
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  <infoTable>
    <nameOfIssuer>Ford Motor Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>345370860</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Franklin Resources Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>354613101</cusip>
    <value>676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Arthur J Gallagher &amp; Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>363576109</cusip>
    <value>553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>General Dynamics Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369550108</cusip>
    <value>6870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28407</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>General Dynamics Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369550108</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company (New)</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369604301</cusip>
    <value>5022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54884</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Company (New)</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369604301</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>623</Sole>
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      <None>180</None>
    </votingAuthority>
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  <infoTable>
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      <Sole>9317</Sole>
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      <None>0</None>
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      <sshPrnamt>1700</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>57468</sshPrnamt>
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    <votingAuthority>
      <Sole>57468</Sole>
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      <None>0</None>
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    <value>313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2485</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>3391</Sole>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>GlaxoSmithKline PLC Sponsored</nameOfIssuer>
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      <None>0</None>
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      <sshPrnamt>76276</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>77</sshPrnamt>
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      <None>0</None>
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    <votingAuthority>
      <Sole>25782</Sole>
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      <None>230</None>
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      <sshPrnamt>63</sshPrnamt>
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      <Sole>63</Sole>
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      <None>0</None>
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    <nameOfIssuer>Halliburton Company</nameOfIssuer>
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    <value>5507</value>
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      <sshPrnamt>145425</sshPrnamt>
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      <Sole>143902</Sole>
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      <None>1523</None>
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    <value>15</value>
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      <sshPrnamt>389</sshPrnamt>
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      <Sole>389</Sole>
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      <None>0</None>
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    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
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    <value>16281</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <cusip>437183205</cusip>
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    <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
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    <nameOfIssuer>Huntington Bancshares Inc</nameOfIssuer>
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    <nameOfIssuer>Illinois Tool Works Inc</nameOfIssuer>
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    <nameOfIssuer>International Flavors &amp; Fragra</nameOfIssuer>
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    <nameOfIssuer>Invesco QQQ Trust Series 1</nameOfIssuer>
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    <cusip>46090E103</cusip>
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    <nameOfIssuer>Intuitive Surgical Inc</nameOfIssuer>
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    <cusip>46120E602</cusip>
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    <nameOfIssuer>iShares Select Dividend ETF</nameOfIssuer>
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  <infoTable>
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    <value>36</value>
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      <sshPrnamt>280</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>iShares Core S&amp;P 500 ETF</nameOfIssuer>
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      <sshPrnamt>22230</sshPrnamt>
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    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
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    <cusip>464287465</cusip>
    <value>465</value>
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      <sshPrnamt>6313</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
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    <value>279</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3785</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares U.S. Technology ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287721</cusip>
    <value>1047</value>
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      <sshPrnamt>10161</sshPrnamt>
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      <None>600</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Healthcare ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287762</cusip>
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      <sshPrnamt>2000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>JPMorgan Chase &amp; Co</nameOfIssuer>
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    <cusip>46625H100</cusip>
    <value>58740</value>
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      <sshPrnamt>430895</sshPrnamt>
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  <infoTable>
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    <cusip>46625H100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>244924</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>243384</Sole>
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      <None>1540</None>
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  <infoTable>
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      <sshPrnamt>21817</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21417</Sole>
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      <None>400</None>
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    <nameOfIssuer>Public Service Enterprise Grou</nameOfIssuer>
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    <value>234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>3340</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>22046</value>
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      <sshPrnamt>144259</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>143105</Sole>
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      <None>1154</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
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    <value>137</value>
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      <sshPrnamt>896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>896</Sole>
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      <None>0</None>
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    <nameOfIssuer>RPM International Inc</nameOfIssuer>
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    <cusip>749685103</cusip>
    <value>2111</value>
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      <sshPrnamt>25924</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25924</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6329</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6204</Sole>
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      <None>125</None>
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  <infoTable>
    <nameOfIssuer>Raytheon Technologies Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>46</value>
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      <sshPrnamt>463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>463</Sole>
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      <None>0</None>
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    <nameOfIssuer>ResMed Inc</nameOfIssuer>
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    <cusip>761152107</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>652</Sole>
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      <None>762</None>
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    <nameOfIssuer>Community Bancshares Inc</nameOfIssuer>
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    <cusip>762991271</cusip>
    <value>387</value>
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      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Rio Tinto PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>767204100</cusip>
    <value>1635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20333</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20252</Sole>
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      <None>81</None>
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    <nameOfIssuer>Rio Tinto PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>767204100</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>290</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Roche Holdings Ltd Sponsored A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>771195104</cusip>
    <value>6688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134361</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>133129</Sole>
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      <None>1232</None>
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    <nameOfIssuer>Roche Holdings Ltd Sponsored A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>771195104</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>916</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>916</Sole>
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      <None>0</None>
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    <cusip>775781206</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91601</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91601</Sole>
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      <None>0</None>
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    <nameOfIssuer>Shell PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259305</cusip>
    <value>1695</value>
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      <sshPrnamt>30852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30852</Sole>
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      <None>0</None>
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    <nameOfIssuer>Shell PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259305</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>472</Sole>
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      <None>0</None>
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    <nameOfIssuer>S&amp;P Global Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78409V104</cusip>
    <value>21029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50897</Sole>
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      <None>370</None>
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    <nameOfIssuer>S&amp;P Global Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78409V104</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>158</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR Gold Trust ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78463V107</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2641</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR Gold Trust ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78463V107</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P MidCap 400 ETF</nameOfIssuer>
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      <sshPrnamt>1434</sshPrnamt>
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    <votingAuthority>
      <Sole>1434</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>2263</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2263</Sole>
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      <None>0</None>
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    <cusip>79466L302</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>Muskingum Valley Bancshares</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>803991272</cusip>
    <value>631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7723</Sole>
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      <None>0</None>
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    <nameOfIssuer>Schlumberger Limited</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>806857108</cusip>
    <value>18391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445201</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>443919</Sole>
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      <None>1282</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
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    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>Schwab (Charles) Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>10191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>119656</Sole>
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      <None>1214</None>
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  <infoTable>
    <nameOfIssuer>Schwab (Charles) Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>808513105</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>241</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Communitybanc, Inc Crooksville</nameOfIssuer>
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    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12510</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Sherwin-Williams Company</nameOfIssuer>
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    <cusip>824348106</cusip>
    <value>9657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38435</Sole>
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      <None>253</None>
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  <infoTable>
    <nameOfIssuer>Sherwin-Williams Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>Sika AG Unsponsored ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>82674R103</cusip>
    <value>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3504</Sole>
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      <None>4097</None>
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    <nameOfIssuer>Smucker (J M) Co (New)</nameOfIssuer>
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    <cusip>832696405</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3120</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>832696405</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>200</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>833034101</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>431</Sole>
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      <None>200</None>
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  <infoTable>
    <nameOfIssuer>Snap-on Incorporated</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>833034101</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>100</None>
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    <nameOfIssuer>Southern Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>842587107</cusip>
    <value>825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11380</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>842587107</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>948</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>863667101</cusip>
    <value>10838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40321</Sole>
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      <None>219</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>863667101</cusip>
    <value>1527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <titleOfClass>Com</titleOfClass>
    <cusip>923451108</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vernay Laboratories Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>924315104</cusip>
    <value>198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vernay Laboratories Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>924315104</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>38213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>171132</Sole>
      <Shared>0</Shared>
      <None>1179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2479</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC Energy Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92939U106</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Walmart Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>931142103</cusip>
    <value>1389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9226</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Walmart Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>931142103</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>K-L Investment Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>936784790</cusip>
    <value>990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>25653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160770</Sole>
      <Shared>0</Shared>
      <None>1077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Waste Management Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Watsco Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>942622200</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wells Fargo &amp; Co (New)</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>949746101</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Barclay Square Apartments, LD</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>961032475</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WestRock Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>96145D105</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Worthington Industries Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>981811102</cusip>
    <value>580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10975</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Yamana Gold Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98462Y100</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Yum! Brands Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>988498101</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Yum China Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98850P109</cusip>
    <value>606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Zoetis Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98978V103</cusip>
    <value>20251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>106807</Sole>
      <Shared>0</Shared>
      <None>574</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Zoetis Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98978V103</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Freight Service Inc Delaware A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>FS183A905</cusip>
    <value>627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Freight Service Inc Delaware B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>FS184B905</cusip>
    <value>1695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Allegion PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Allegion PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Aon PLC Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>505</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Accenture PLC Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>35574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>104398</Sole>
      <Shared>0</Shared>
      <None>1092</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Accenture PLC Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G29183103</cusip>
    <value>324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eaton Corporation PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G29183103</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G4705A100</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>496</Sole>
      <Shared>0</Shared>
      <None>580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson Controls International</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G51502105</cusip>
    <value>1884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Steris PLC (New)</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>498</Sole>
      <Shared>0</Shared>
      <None>580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trane Technologies PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>16046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>104217</Sole>
      <Shared>0</Shared>
      <None>865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trane Technologies PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alcon Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>H01301128</cusip>
    <value>344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2472</Sole>
      <Shared>0</Shared>
      <None>1863</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alcon Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>H01301128</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chubb Ltd (New)</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>5727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26773</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chubb Ltd (New)</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>798</Sole>
      <Shared>0</Shared>
      <None>0</None>
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