<SEC-DOCUMENT>0001471265-18-000010.txt : 20180214
<SEC-HEADER>0001471265-18-000010.hdr.sgml : 20180214
<ACCEPTANCE-DATETIME>20180214133546
ACCESSION NUMBER:		0001471265-18-000010
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171231
FILED AS OF DATE:		20180214
DATE AS OF CHANGE:		20180214
EFFECTIVENESS DATE:		20180214

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Northwest Bancshares, Inc.
		CENTRAL INDEX KEY:			0001471265
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-18551
		FILM NUMBER:		18610469

	BUSINESS ADDRESS:	
		STREET 1:		100 LIBERTY STREET
		CITY:			WARREN
		STATE:			PA
		ZIP:			16365
		BUSINESS PHONE:		(814) 726-2140

	MAIL ADDRESS:	
		STREET 1:		100 LIBERTY STREET
		CITY:			WARREN
		STATE:			PA
		ZIP:			16365
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0001471265</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2017</periodOfReport>
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        <name>Northwest Bancshares, Inc.</name>
        <address>
          <com:street1>100 LIBERTY STREET</com:street1>
          <com:city>WARREN</com:city>
          <com:stateOrCountry>PA</com:stateOrCountry>
          <com:zipCode>16365</com:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Terry J. Thierman</name>
      <title>Senior Vice President and Group Trust Controller</title>
      <phone>814-871-5959</phone>
      <signature>/s/ Terry J. Thierman</signature>
      <city>Warren</city>
      <stateOrCountry>PA</stateOrCountry>
      <signatureDate>02-14-2018</signatureDate>
    </signatureBlock>
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      <Sole>4443</Sole>
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      <None>0</None>
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    <cusip>247361702</cusip>
    <value>1596</value>
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    <votingAuthority>
      <Sole>27760</Sole>
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      <None>736</None>
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    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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    <cusip>254687106</cusip>
    <value>1959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18225</sshPrnamt>
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    <votingAuthority>
      <Sole>17839</Sole>
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      <None>386</None>
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  <infoTable>
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    <titleOfClass>COM DISNEY</titleOfClass>
    <cusip>254687106</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>2264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29431</sshPrnamt>
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    <votingAuthority>
      <Sole>28762</Sole>
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      <None>669</None>
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    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
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    <cusip>256677105</cusip>
    <value>547</value>
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      <sshPrnamt>5876</sshPrnamt>
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    <votingAuthority>
      <Sole>5876</Sole>
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      <None>0</None>
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    <value>838</value>
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      <sshPrnamt>10341</sshPrnamt>
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    <votingAuthority>
      <Sole>10241</Sole>
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      <None>100</None>
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    <cusip>26078J100</cusip>
    <value>1778</value>
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      <sshPrnamt>24963</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24813</Sole>
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      <None>150</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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    <cusip>26441C204</cusip>
    <value>921</value>
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      <sshPrnamt>10949</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10949</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>4203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60310</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60310</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>408</value>
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      <sshPrnamt>15380</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15230</Sole>
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      <None>150</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ERIE INDTY CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>29530P102</cusip>
    <value>670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5500</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13825</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13675</Sole>
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      <None>150</None>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2146</value>
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      <sshPrnamt>25653</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25503</Sole>
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      <None>150</None>
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    <nameOfIssuer>FNB CORP PA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302520101</cusip>
    <value>277</value>
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      <sshPrnamt>20053</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20053</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1745</Sole>
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      <None>175</None>
    </votingAuthority>
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    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM PAR $0.01</titleOfClass>
    <cusip>345370860</cusip>
    <value>1779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>139265</Sole>
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      <None>3137</None>
    </votingAuthority>
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    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369604103</cusip>
    <value>1436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82312</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81862</Sole>
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      <None>450</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13523</Sole>
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      <None>150</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>1508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35945</Sole>
      <Shared>0</Shared>
      <None>851</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>1680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22974</Sole>
      <Shared>0</Shared>
      <None>482</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>1568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5997</Sole>
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      <None>159</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOODYEAR TIRE &amp; RUBR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>382550101</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>1457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67428</Sole>
      <Shared>0</Shared>
      <None>1899</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>416515104</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3822</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1933</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLYFRONTIER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>436106108</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>1509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7962</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>3813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81360</Sole>
      <Shared>0</Shared>
      <None>1250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12736</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19090</Sole>
      <Shared>0</Shared>
      <None>404</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>2402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17093</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48203R104</cusip>
    <value>1488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50795</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA-TENCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>482480100</cusip>
    <value>1076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10181</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501044101</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>512807108</cusip>
    <value>1257</value>
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      <Sole>6624</Sole>
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      <None>207</None>
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    <nameOfIssuer>LEAR CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>521865204</cusip>
    <value>1565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8859</sshPrnamt>
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      <Sole>8632</Sole>
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      <None>227</None>
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    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>934</value>
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      <Sole>10956</Sole>
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      <None>100</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>1955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6090</sshPrnamt>
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    <votingAuthority>
      <Sole>5967</Sole>
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      <None>123</None>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>1417</value>
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      <sshPrnamt>15244</sshPrnamt>
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      <Sole>15044</Sole>
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      <None>200</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>598</value>
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      <sshPrnamt>3472</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3422</Sole>
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      <None>50</None>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>560</value>
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      <sshPrnamt>9953</sshPrnamt>
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      <Sole>9803</Sole>
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      <None>150</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>2879</value>
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      <sshPrnamt>33652</sshPrnamt>
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    <votingAuthority>
      <Sole>33452</Sole>
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      <None>200</None>
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    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>255</value>
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    <votingAuthority>
      <Sole>6200</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>351</value>
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      <sshPrnamt>8201</sshPrnamt>
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      <Sole>7961</Sole>
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      <None>240</None>
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    <nameOfIssuer>MONSANTO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61166W101</cusip>
    <value>1481</value>
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      <sshPrnamt>12683</sshPrnamt>
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    <votingAuthority>
      <Sole>12310</Sole>
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      <None>373</None>
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    <nameOfIssuer>NATIONAL FUEL GAS CO N J</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>636180101</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7460</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7460</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORDSON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655663102</cusip>
    <value>921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6290</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6290</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORTHWEST BANCSHARES INC MD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>667340103</cusip>
    <value>7264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434180</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34794</Sole>
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      <None>399386</None>
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    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6607</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6457</Sole>
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      <None>150</None>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>2290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48443</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47649</Sole>
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      <None>794</None>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>1475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10224</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10224</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PARKER HANNIFIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>701094104</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1425</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1425</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>3010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25103</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24755</Sole>
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      <None>348</None>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>1722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47556</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47156</Sole>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2981</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2981</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2775</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2675</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>PRAXAIR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74005P104</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1525</sshPrnamt>
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    <votingAuthority>
      <Sole>1525</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74144T108</cusip>
    <value>2356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22457</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22028</Sole>
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      <None>429</None>
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  <infoTable>
    <nameOfIssuer>PRIMERICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74164M108</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2240</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2240</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>3702</value>
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      <sshPrnamt>40292</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39620</Sole>
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      <None>672</None>
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    <nameOfIssuer>PROGRESSIVE CORP OHIO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>743315103</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6450</sshPrnamt>
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    <votingAuthority>
      <Sole>6450</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>1486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12926</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12575</Sole>
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      <None>351</None>
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    <nameOfIssuer>RAYTHEON CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>755111507</cusip>
    <value>1850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9850</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9642</Sole>
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      <None>208</None>
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    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>1629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20303</sshPrnamt>
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    <votingAuthority>
      <Sole>19721</Sole>
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      <None>582</None>
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    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>548</value>
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      <sshPrnamt>11385</sshPrnamt>
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    <votingAuthority>
      <Sole>11385</Sole>
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      <None>0</None>
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    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>1553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23730</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23072</Sole>
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      <None>658</None>
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    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5974</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5974</Sole>
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      <None>0</None>
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    <nameOfIssuer>SUNTRUST BKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>867914103</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4600</Sole>
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      <None>0</None>
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    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>1471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19235</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18703</Sole>
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      <None>532</None>
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    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10141</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10141</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TELUS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87971M103</cusip>
    <value>1901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50193</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49113</Sole>
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      <None>1080</None>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3401</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3401</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1376</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1326</Sole>
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      <None>50</None>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11281</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10975</Sole>
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      <None>306</None>
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    <nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>902494103</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>912909108</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5500</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>913017109</cusip>
    <value>1019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42310</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8030</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>2384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23678</Sole>
      <Shared>0</Shared>
      <None>465</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7078</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>963320106</cusip>
    <value>1403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8108</Sole>
      <Shared>0</Shared>
      <None>211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI FRONTIER 100</nameOfIssuer>
    <titleOfClass>MSCI FRNTR100ETF</titleOfClass>
    <cusip>464286145</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI FRONTIER 100</nameOfIssuer>
    <titleOfClass>MSCI FRNTR100ETF</titleOfClass>
    <cusip>464286145</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P TOTAL U.S. STOCK</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>4042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 INDEX FUND</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>34295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>127562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 INDEX FUND</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX $ INVESTMENT GRADE</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>13918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>113236</Sole>
      <Shared>0</Shared>
      <None>1257</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX $ INVESTMENT GRADE</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>6086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36336</Sole>
      <Shared>0</Shared>
      <None>3500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1596</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES US REAL ESTATE ETF</nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF</titleOfClass>
    <cusip>464287739</cusip>
    <value>588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES US REAL ESTATE ETF</nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF</titleOfClass>
    <cusip>464287739</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>1146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES FLOATING RATE BOND ETF</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES FLOATING RATE BOND ETF</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES EDGE MSCI MIN VOL EAFE ETF</nameOfIssuer>
    <titleOfClass>MIN VOL EAFE ETF</titleOfClass>
    <cusip>46429B689</cusip>
    <value>554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES EDGE MSCI MIN VOL EAFE ETF</nameOfIssuer>
    <titleOfClass>MIN VOL EAFE ETF</titleOfClass>
    <cusip>46429B689</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>902</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE MSCI TOTAL</nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL</titleOfClass>
    <cusip>46432F834</cusip>
    <value>34209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>535420</Sole>
      <Shared>0</Shared>
      <None>6905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE MSCI TOTAL</nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL</titleOfClass>
    <cusip>46432F834</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE 1-5 YEAR USD BOND ETF</nameOfIssuer>
    <titleOfClass>CORE 1 5 YR USD</titleOfClass>
    <cusip>46432F859</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>SPONS ADR A</titleOfClass>
    <cusip>780259206</cusip>
    <value>552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN LIFE FINANCIAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>866796105</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MANUFACTURING</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>874039100</cusip>
    <value>1725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42507</Sole>
      <Shared>0</Shared>
      <None>1002</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
    <titleOfClass>DIV APP EFT</titleOfClass>
    <cusip>921908844</cusip>
    <value>823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD UTILITIES ETF</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX TR ETF</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X S&amp;P 500 CATHOLIC VALUES ETF</nameOfIssuer>
    <titleOfClass>S&amp;P 500 CATHOLIC</titleOfClass>
    <cusip>37954Y889</cusip>
    <value>1308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ TRUST UNIT SERIES 1</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>73935A104</cusip>
    <value>626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES FTSE RAFI US 1000</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1000</titleOfClass>
    <cusip>73935X583</cusip>
    <value>3186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
