<SEC-DOCUMENT>0000714395-22-000053.txt : 20221115
<SEC-HEADER>0000714395-22-000053.hdr.sgml : 20221115
<ACCEPTANCE-DATETIME>20221115154513
ACCESSION NUMBER:		0000714395-22-000053
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220930
FILED AS OF DATE:		20221115
DATE AS OF CHANGE:		20221115
EFFECTIVENESS DATE:		20221115

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GERMAN AMERICAN BANCORP, INC.
		CENTRAL INDEX KEY:			0000714395
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351547518
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-18884
		FILM NUMBER:		221391024

	BUSINESS ADDRESS:	
		STREET 1:		711 MAIN ST
		STREET 2:		P O BOX 810
		CITY:			JASPER
		STATE:			IN
		ZIP:			47546
		BUSINESS PHONE:		8124821314

	MAIL ADDRESS:	
		STREET 1:		711 MAIN STREET
		CITY:			JASPER
		STATE:			IN
		ZIP:			47546

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GERMAN AMERICAN BANCORP
		DATE OF NAME CHANGE:	19950510

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GAB BANCORP
		DATE OF NAME CHANGE:	19950510
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0000714395</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2022</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2022</reportCalendarOrQuarter>
      <filingManager>
        <name>GERMAN AMERICAN BANCORP, INC.</name>
        <address>
          <com:street1>711 MAIN STREET</com:street1>
          <com:city>JASPER</com:city>
          <com:stateOrCountry>IN</com:stateOrCountry>
          <com:zipCode>47546</com:zipCode>
        </address>
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      <form13FFileNumber>028-18884</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Bradley M. Rust</name>
      <title>Senior Executive Vice President, COO &amp; CFO</title>
      <phone>812-482-1314</phone>
      <signature>Bradley M. Rust</signature>
      <city>JASPER</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>11-15-2022</signatureDate>
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    <titleOfClass>COM  NEW</titleOfClass>
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      <None>266</None>
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  <infoTable>
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      <None>0</None>
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    <cusip>191216100</cusip>
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    <votingAuthority>
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      <None>284</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>11</value>
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      <sshPrnamt>198</sshPrnamt>
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      <Sole>198</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>4989</value>
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      <None>132</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
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      <Sole>92</Sole>
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      <None>0</None>
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      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>5451</value>
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      <sshPrnamt>11542</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11512</Sole>
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      <None>30</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>10</value>
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      <sshPrnamt>21</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>21</Sole>
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      <None>0</None>
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    <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>4291</value>
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      <sshPrnamt>16614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16576</Sole>
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      <None>38</None>
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  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>7</value>
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      <sshPrnamt>26</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26</Sole>
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      <None>0</None>
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    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1258</sshPrnamt>
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    <votingAuthority>
      <Sole>1258</Sole>
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      <None>0</None>
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    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM DISNEY</titleOfClass>
    <cusip>254687106</cusip>
    <value>3603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38198</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38104</Sole>
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      <None>94</None>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM DISNEY</titleOfClass>
    <cusip>254687106</cusip>
    <value>6</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>66</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>6101</value>
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      <sshPrnamt>69874</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>69686</Sole>
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      <None>188</None>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>11</value>
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      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>131</Sole>
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      <None>0</None>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>4674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34350</Sole>
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      <None>96</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>67</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>3596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24157</Sole>
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      <None>66</None>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27835</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27835</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>3586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111756</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111449</Sole>
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      <None>307</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>214</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GERMAN AMER BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>373865104</cusip>
    <value>7372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206453</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>206453</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38414G104</cusip>
    <value>293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4005</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3991</Sole>
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      <None>14</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>4358</value>
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      <sshPrnamt>26102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26031</Sole>
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      <None>71</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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    <cusip>46090E103</cusip>
    <value>775</value>
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      <Sole>2899</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287200</cusip>
    <value>604</value>
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      <sshPrnamt>1684</sshPrnamt>
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    <votingAuthority>
      <Sole>1684</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8177</sshPrnamt>
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    <votingAuthority>
      <Sole>8177</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>3862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40208</sshPrnamt>
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    <votingAuthority>
      <Sole>40076</Sole>
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      <None>132</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>48687</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>781308</Sole>
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      <None>2074</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1703</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1703</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>23278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171175</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170614</Sole>
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      <None>561</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>424</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1235</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>2366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18294</Sole>
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      <None>60</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <votingAuthority>
      <Sole>178598</Sole>
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      <None>475</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>389</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>389</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>1065843</Sole>
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      <None>2956</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
    <cusip>464288240</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2403</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464288414</cusip>
    <value>9332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>89722</Sole>
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      <None>1250</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464288513</cusip>
    <value>13659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191329</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>190475</Sole>
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      <None>854</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>118</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464288612</cusip>
    <value>58562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575891</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>573438</Sole>
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      <None>2453</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464288612</cusip>
    <value>75</value>
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      <sshPrnamt>734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>734</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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      <sshPrnamt>76794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>76590</Sole>
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      <None>204</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
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      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>143</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
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      <sshPrnamt>46629</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46519</Sole>
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      <None>110</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>77</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KIMBALL INTL INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>494274103</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
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      <None>5137</None>
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  <infoTable>
    <nameOfIssuer>KIMBALL ELECTRONICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49428J109</cusip>
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      <sshPrnamt>45852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42000</Sole>
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      <None>3852</None>
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  <infoTable>
    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
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    <cusip>526057104</cusip>
    <value>2141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28640</Sole>
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      <None>80</None>
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  <infoTable>
    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>526057104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>55</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>1588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4848</Sole>
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      <None>63</None>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>31614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31527</Sole>
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      <None>87</None>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>61</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1298</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1298</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6296</Sole>
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      <None>205</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>104552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>102960</Sole>
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      <None>1592</None>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>187</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>4302</value>
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      <sshPrnamt>85875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85637</Sole>
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      <None>238</None>
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  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
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      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>166</Sole>
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      <None>0</None>
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    <titleOfClass>COM  NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>5609</value>
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      <sshPrnamt>70990</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70802</Sole>
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      <None>188</None>
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    <titleOfClass>COM  NEW</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>131</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3104</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3104</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>654106103</cusip>
    <value>5110</value>
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      <sshPrnamt>61478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61308</Sole>
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      <None>170</None>
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  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>119</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>4943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40652</Sole>
      <Shared>0</Shared>
      <None>72</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>51</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680033107</cusip>
    <value>174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>543</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>5579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91108</Sole>
      <Shared>0</Shared>
      <None>246</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2489</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>6061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>138146</Sole>
      <Shared>0</Shared>
      <None>353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>71844V201</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>2035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25140</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>7440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58784</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>743315103</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1737</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>2153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26236</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>34605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>96859</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1484</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10930</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1751</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-FINL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>4711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71715</Sole>
      <Shared>0</Shared>
      <None>197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STOCK YDS BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>861025104</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>1050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>4380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8614</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2729</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>5704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130643</Sole>
      <Shared>0</Shared>
      <None>363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>15262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30138</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>2492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>2149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1316</Sole>
      <Shared>0</Shared>
      <None>8016</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2578</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
