<SEC-DOCUMENT>0001387131-17-002102.txt : 20170417
<SEC-HEADER>0001387131-17-002102.hdr.sgml : 20170417
<ACCEPTANCE-DATETIME>20170417100357
ACCESSION NUMBER:		0001387131-17-002102
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170331
FILED AS OF DATE:		20170417
DATE AS OF CHANGE:		20170417
EFFECTIVENESS DATE:		20170417

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TOMPKINS FINANCIAL CORP
		CENTRAL INDEX KEY:			0001005817
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				161482357
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05097
		FILM NUMBER:		17763731

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 460 THE COMMONS
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14851
		BUSINESS PHONE:		607-274-2078

	MAIL ADDRESS:	
		STREET 1:		THE COMMONS
		STREET 2:		PO BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14851

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TOMPKINS TRUSTCO INC
		DATE OF NAME CHANGE:	19990512

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TOMPKINS COUNTY TRUSTCO INC
		DATE OF NAME CHANGE:	19960117
</SEC-HEADER>
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      <periodOfReport>03-31-2017</periodOfReport>
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        <name>TOMPKINS FINANCIAL CORP</name>
        <address>
          <ns1:street1>The Commons</ns1:street1>
          <ns1:street2>Po Box 460</ns1:street2>
          <ns1:city>Ithaca</ns1:city>
          <ns1:stateOrCountry>NY</ns1:stateOrCountry>
          <ns1:zipCode>14851</ns1:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Lisa A. Leonardo</name>
      <title>AVP &amp; TFA Operations Manager</title>
      <phone>607-273-0037</phone>
      <signature>/s/ Lisa A. Leonardo</signature>
      <city>ITHACA</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>04-14-2017</signatureDate>
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      <Sole>142</Sole>
      <Shared>0</Shared>
      <None>48</None>
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  <infoTable>
    <nameOfIssuer>ADOBE SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00724F101</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>113</None>
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  <infoTable>
    <nameOfIssuer>THE ADVISORY BOARD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00762W107</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AETNA INC NEW               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00817Y108</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1660</Sole>
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      <None>0</None>
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    <nameOfIssuer>AFFILIATED MANAGERS GR</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>008252108</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2040</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>009158106</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALLIANCE DATA SYSTEMS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>018581108</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALLSTATE CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>020002101</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
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    <nameOfIssuer>ALPHABET INC                CAP STK CL C</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02079K107</cusip>
    <value>856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC                CAP STK CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02079K305</cusip>
    <value>1636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2111</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC                CAP STK CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02079K305</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46</Sole>
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      <None>13</None>
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    <nameOfIssuer>ALPINE TOTAL DYNAMIC DIVID FCOM SH BEN INT N</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>021060207</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02209S103</cusip>
    <value>3970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63372</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61517</Sole>
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      <None>1855</None>
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  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02209S103</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1068</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>023135106</cusip>
    <value>145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>023135106</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN CAP LTD COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>02503Y103</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>025816109</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7151</Sole>
      <Shared>0</Shared>
      <None>1215</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC     COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>026874784</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>189</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03076C106</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3160</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>031162100</cusip>
    <value>2310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13621</Sole>
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      <None>1786</None>
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  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032095101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032654105</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV  SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>03524A108</cusip>
    <value>1479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11863</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10783</Sole>
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      <None>1080</None>
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    <nameOfIssuer>ANNALY MTG MGMT INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>035710409</cusip>
    <value>102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9920</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANSYS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03662Q105</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>374</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANTHEM INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>036752103</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2558</Sole>
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      <None>0</None>
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    <nameOfIssuer>APACHE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037411105</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
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      <None>100</None>
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    <nameOfIssuer>APPLE INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>5144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45016</Sole>
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      <None>2184</None>
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  <infoTable>
    <nameOfIssuer>APPLE INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1505</Sole>
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    <nameOfIssuer>APPLIED MATLS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>038222105</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>039483102</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7897</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7607</Sole>
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      <None>290</None>
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  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>039483102</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARM HOLDINGS PLC ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>042068106</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>107</None>
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    <nameOfIssuer>ASHLAND INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>044209104</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>564</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC             SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>046353108</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3095</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3095</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC             SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>046353108</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>450</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ATHENAHEALTH INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04685W103</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>307</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AUTODESK INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>052769106</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
    <value>898</value>
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      <sshPrnamt>10015</sshPrnamt>
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    <cusip>053015103</cusip>
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    <nameOfIssuer>AUTOZONE INC                COM</nameOfIssuer>
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    <cusip>053332102</cusip>
    <value>1921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2411</sshPrnamt>
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    <cusip>054937107</cusip>
    <value>1624</value>
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      <sshPrnamt>48808</sshPrnamt>
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    <cusip>05508R106</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <cusip>05534B760</cusip>
    <value>64</value>
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    <cusip>05541T101</cusip>
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    <cusip>055622104</cusip>
    <value>11</value>
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      <sshPrnamt>377</sshPrnamt>
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    <cusip>05577E101</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
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    <cusip>057665200</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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    <nameOfIssuer>BANK OF AMERICA CORPORATION COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>060505104</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5440</sshPrnamt>
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      <Sole>5440</Sole>
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    <nameOfIssuer>BANK NEW YORK MELLON CORP   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>064058100</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
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      <Sole>295</Sole>
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      <None>0</None>
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    <nameOfIssuer>BAXALTA INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>07177M103</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6554</sshPrnamt>
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      <Sole>5354</Sole>
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      <None>1200</None>
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    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>071813109</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9066</sshPrnamt>
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      <Sole>7674</Sole>
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      <None>1392</None>
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    <nameOfIssuer>BE AEROSPACE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>073302101</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1690</sshPrnamt>
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    <votingAuthority>
      <Sole>1690</Sole>
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      <None>0</None>
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    <nameOfIssuer>BEACON ROOFING SUPPLY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>073685109</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>075887109</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>473</Sole>
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      <None>0</None>
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    <nameOfIssuer>BERKLEY W R CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084423102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1055</sshPrnamt>
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      <Sole>1055</Sole>
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      <None>0</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670108</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670702</cusip>
    <value>543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3830</sshPrnamt>
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      <Sole>2955</Sole>
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      <None>875</None>
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    <nameOfIssuer>BEST BUY INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>086516101</cusip>
    <value>134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4145</sshPrnamt>
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    <nameOfIssuer>BHP BILLITON LIMITED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>088606108</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
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      <Sole>310</Sole>
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    <nameOfIssuer>BIOGEN INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09062X103</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
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    <nameOfIssuer>BLACKROCK, INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09247X101</cusip>
    <value>506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1485</sshPrnamt>
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    <nameOfIssuer>BLACKROCK RES &amp; COMM STRAT TSHS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09257A108</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1635</sshPrnamt>
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    <cusip>097023105</cusip>
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    <nameOfIssuer>BRANDYWINE RLTY TR          SH BEN INT NEW</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>105368203</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
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    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
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    <cusip>110122108</cusip>
    <value>264</value>
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      <sshPrnamt>4133</sshPrnamt>
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    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
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    <cusip>110122108</cusip>
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    <nameOfIssuer>BROOK AUTOMATION INC</nameOfIssuer>
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    <cusip>114340102</cusip>
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    <nameOfIssuer>CBS CORP NEW CL B</nameOfIssuer>
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    <cusip>124857202</cusip>
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      <sshPrnamt>112</sshPrnamt>
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    <nameOfIssuer>CBOE HLDGS INC              COM</nameOfIssuer>
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    <cusip>12503M108</cusip>
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      <Sole>162</Sole>
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    <nameOfIssuer>CBRE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12504L109</cusip>
    <value>59</value>
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      <sshPrnamt>2065</sshPrnamt>
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    <nameOfIssuer>CBRE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12504L109</cusip>
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    <nameOfIssuer>CDK GLOBAL INC              COM</nameOfIssuer>
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    <cusip>12508E101</cusip>
    <value>46</value>
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      <Sole>980</Sole>
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    <nameOfIssuer>CF INDS HLDGS INC           COM</nameOfIssuer>
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    <cusip>125269100</cusip>
    <value>85</value>
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      <sshPrnamt>2720</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2580</Sole>
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      <None>140</None>
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    <nameOfIssuer>CME GROUP INC COM</nameOfIssuer>
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    <cusip>12572Q105</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4945</sshPrnamt>
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      <Sole>4945</Sole>
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    <nameOfIssuer>CVS HEALTH CORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>126650100</cusip>
    <value>629</value>
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      <sshPrnamt>6067</sshPrnamt>
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    <votingAuthority>
      <Sole>6067</Sole>
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    <cusip>20825C104</cusip>
    <value>2</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>209115104</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>21036P108</cusip>
    <value>116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORNING INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>219350105</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160K105</cusip>
    <value>1365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8205</Sole>
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      <None>457</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160K105</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160N109</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>156</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREE INC                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>225447101</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVENT INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>23247G109</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>605</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYPRESS SEMICONDUCTOR CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>232806109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>235851102</cusip>
    <value>1052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9662</Sole>
      <Shared>0</Shared>
      <None>1425</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>237194105</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DELTA AIRLINES INC DEL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>247361702</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2195</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>24906P109</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO              COM DISNEY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254687106</cusip>
    <value>3085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28724</Sole>
      <Shared>0</Shared>
      <None>2345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVERY COMM INC CLASS A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25470F104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254709108</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4959</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25659T107</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GENERAL CORP NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>256677105</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1215</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25746U109</cusip>
    <value>2080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26502</Sole>
      <Shared>0</Shared>
      <None>1188</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DORMAN PRODUCTS INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>258278100</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>460</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>260543103</cusip>
    <value>529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10408</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUPONT E I DENEMOURS &amp; CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>263534109</cusip>
    <value>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10732</Sole>
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      <None>1662</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM    NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32099</Sole>
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      <None>1127</None>
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    <nameOfIssuer>DUKE REALTY CORP</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>264411505</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>355</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>E M C CORP MASS             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>268648102</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EOG RES INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26875P101</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2980</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EATON VANCE NEW YORK MUN BD COM</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>27827Y109</cusip>
    <value>448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33352</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EATON VANCE LTD</nameOfIssuer>
    <titleOfClass>OTHER-ETF</titleOfClass>
    <cusip>27828H105</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>750</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON VANCE TX MANGD DIV EQ</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>27828N102</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>999</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>999</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE RISK MANAGED</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>27829G106</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>270</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2655</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>466</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EDISON INTL                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>281020107</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1459</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>8POINT3 ENERGY PARTNERS LP  CL A RPT LTDPT</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>282539105</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>607</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>291011104</cusip>
    <value>946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17393</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENCANA CORP</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>292505104</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>29273R109</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>565</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS         PARTNERS LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>293792107</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30040W108</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXAMWORKS GROUP INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30066A105</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>3505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95466</Sole>
      <Shared>0</Shared>
      <None>2268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA INC DEL             COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30212P303</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HLDG CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30219G108</cusip>
    <value>449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>6551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73814</Sole>
      <Shared>0</Shared>
      <None>4553</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30303M102</cusip>
    <value>864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7572</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIRCHILD SEMICONDUCTOR INTLCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>303726103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>311900104</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERATED INV INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>314211103</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>31428X106</cusip>
    <value>495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>316773100</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINL BANCORP OHIO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>320209109</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2649</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>336433107</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>33738R605</cusip>
    <value>12120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>558510</Sole>
      <Shared>247</Shared>
      <None>2127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>33738R605</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2311</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>337738108</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOOT LOCKER INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>344849104</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>345370860</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOREST CITY RLTY TR INC     COM CL A</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>345605109</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>484</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>34959E109</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC    COM</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>35086T109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>35906A108</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1225</Sole>
      <Shared>0</Shared>
      <None>626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GCP APPLIED TECHNOLOGIES INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>36164Y101</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>363576109</cusip>
    <value>1756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38774</Sole>
      <Shared>0</Shared>
      <None>707</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369550108</cusip>
    <value>1811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13300</Sole>
      <Shared>0</Shared>
      <None>488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369550108</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369604103</cusip>
    <value>3406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91981</Sole>
      <Shared>0</Shared>
      <None>15173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369604103</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>370334104</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5868</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MOTORS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>37045V100</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>372460105</cusip>
    <value>186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>375558103</cusip>
    <value>1233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13195</Sole>
      <Shared>0</Shared>
      <None>227</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>375558103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLAXO HOLDINGS PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>37733W105</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38141G104</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>446</sshPrnamt>
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    <cusip>38388F108</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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      <None>0</None>
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    <cusip>384802104</cusip>
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    <nameOfIssuer>GRANITE CONSTRUCTION</nameOfIssuer>
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    <cusip>387328107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
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    <cusip>391164100</cusip>
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    <shrsOrPrnAmt>
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    <cusip>40650V100</cusip>
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    <cusip>412822108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
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    <cusip>413875105</cusip>
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    <cusip>413875105</cusip>
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    <nameOfIssuer>HARTFORD FINL SVCS GROUP INCCOM</nameOfIssuer>
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    <cusip>416515104</cusip>
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    <cusip>418056107</cusip>
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    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE CCOM</nameOfIssuer>
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    <cusip>42824C109</cusip>
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    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
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    <nameOfIssuer>HORMEL FOODS</nameOfIssuer>
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    <nameOfIssuer>HUNTINGTON INGALLS INDS INC</nameOfIssuer>
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    <nameOfIssuer>IHS INC A</nameOfIssuer>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
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    <nameOfIssuer>INGREDION INC</nameOfIssuer>
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    <cusip>457187102</cusip>
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      <Sole>3725</Sole>
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    <nameOfIssuer>INTERFACE INC               COM</nameOfIssuer>
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    <cusip>458665304</cusip>
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      <sshPrnamt>337</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>337</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>3012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19271</Sole>
      <Shared>0</Shared>
      <None>615</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>460690100</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHS MSCI AUSTRALIA INDX ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286103</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI CANADA - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286509</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     EM MK MINVOL ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464286533</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI PACIFIC        EX JAPAN - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286665</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHAS MSCI SINGAPORE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286673</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CHINA LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287184</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 INDX FD-ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE US AGGBD ET</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7222</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING       MARKETS - ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23955</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P 500 GRWT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YEAR TREASURY   BOND - ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287465</cusip>
    <value>3079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53654</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>12215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>78999</Sole>
      <Shared>11</Shared>
      <None>5711</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE  INDEX FUND ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464287598</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL          1000 GRW - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464287614</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  RUS 1000 ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464287622</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        VALUE - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6955</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>3215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19673</Sole>
      <Shared>0</Shared>
      <None>4573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 -ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>829</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P SCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2138</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     SP SMCP600VL ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3461</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MBS ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA ESG SLCT ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464288802</cusip>
    <value>1393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA MIN VOL ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>18228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>414952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>413225</Sole>
      <Shared>184</Shared>
      <None>1543</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA MIN VOL ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CUR HD EURZN ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46434V639</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>3621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58000</Sole>
      <Shared>0</Shared>
      <None>3141</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JETBLUE AIRWAYS CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>477143101</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478160104</cusip>
    <value>4688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41995</Sole>
      <Shared>0</Shared>
      <None>1332</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478160104</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478366107</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <sshPrnamt>446</sshPrnamt>
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    <cusip>49456B101</cusip>
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    <nameOfIssuer>KINDER MORGAN INC DEL W EXP 05/25/2017</nameOfIssuer>
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    <cusip>49456B119</cusip>
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    <cusip>500754106</cusip>
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    <cusip>500754106</cusip>
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    <cusip>501044101</cusip>
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    <cusip>501797104</cusip>
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    <cusip>501889208</cusip>
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    <cusip>505597104</cusip>
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    <nameOfIssuer>LAUDER ESTEE COS INC        CL A</nameOfIssuer>
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    <cusip>518439104</cusip>
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    <cusip>52186N106</cusip>
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    <nameOfIssuer>LIBERTY INTERACTIVE CORP    COMM SER A</nameOfIssuer>
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    <cusip>53071M104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
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    <cusip>532457108</cusip>
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      <sshPrnamt>33125</sshPrnamt>
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    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>532457108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
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    <nameOfIssuer>LINDSAY CORP</nameOfIssuer>
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    <cusip>535555106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
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    <nameOfIssuer>LINEAR TECHNOLOGY CORP      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>535678106</cusip>
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      <sshPrnamt>211</sshPrnamt>
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    <nameOfIssuer>LINEAR TECHNOLOGY CORP      COM</nameOfIssuer>
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    <cusip>535678106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
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    <nameOfIssuer>LIVE NATION ENTERTAINMENT</nameOfIssuer>
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    <cusip>538034109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
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    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
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    <cusip>539830109</cusip>
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      <sshPrnamt>4652</sshPrnamt>
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    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
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    <cusip>539830109</cusip>
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      <sshPrnamt>145</sshPrnamt>
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    <nameOfIssuer>LOWES COS INC               COM</nameOfIssuer>
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    <cusip>548661107</cusip>
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    <nameOfIssuer>MSCI INC CL A</nameOfIssuer>
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    <cusip>55354G100</cusip>
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    <nameOfIssuer>MACYS INC COM</nameOfIssuer>
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    <cusip>55616P104</cusip>
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    <nameOfIssuer>MANAGED DURATION INVT GRD FUCOM</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>56165R103</cusip>
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      <Sole>750</Sole>
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    <nameOfIssuer>MANPOWER INC                COM</nameOfIssuer>
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    <cusip>56418H100</cusip>
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    <nameOfIssuer>MANULIFE FINL CORP COM</nameOfIssuer>
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    <cusip>56501R106</cusip>
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      <Sole>2268</Sole>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>565849106</cusip>
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      <sshPrnamt>249</sshPrnamt>
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      <Sole>249</Sole>
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    <cusip>56585A102</cusip>
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      <sshPrnamt>3595</sshPrnamt>
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    <nameOfIssuer>MARRIOTT VACATIONS WORLDWIDE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57164Y107</cusip>
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      <sshPrnamt>100</sshPrnamt>
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    <nameOfIssuer>MARRIOTT INTL INC NEW  CLA</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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    <nameOfIssuer>MAXIM INTEGRATED PRODS INC  COM</nameOfIssuer>
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    <cusip>57772K101</cusip>
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    <cusip>577933104</cusip>
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    <cusip>580135101</cusip>
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    <cusip>580135101</cusip>
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    <cusip>58155Q103</cusip>
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      <None>258</None>
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    <cusip>58502B106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
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      <None>0</None>
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    <cusip>58933Y105</cusip>
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      <sshPrnamt>44017</sshPrnamt>
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    <votingAuthority>
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      <None>3781</None>
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    <cusip>58933Y105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>METLIFE INC                 COM</nameOfIssuer>
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    <cusip>59156R108</cusip>
    <value>342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7789</sshPrnamt>
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    <votingAuthority>
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      <None>1150</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>594918104</cusip>
    <value>5696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103154</sshPrnamt>
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    <votingAuthority>
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      <None>6349</None>
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    <cusip>594918104</cusip>
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      <sshPrnamt>1594</sshPrnamt>
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    <nameOfIssuer>MICROVISION INC DEL COM NEW</nameOfIssuer>
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    <cusip>594960304</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
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    <cusip>595017104</cusip>
    <value>715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14839</sshPrnamt>
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    <cusip>595017104</cusip>
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      <sshPrnamt>955</sshPrnamt>
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    <cusip>596278101</cusip>
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      <sshPrnamt>341</sshPrnamt>
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      <None>46</None>
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    <cusip>609207105</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4146</sshPrnamt>
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    <cusip>609207105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
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    <nameOfIssuer>MONSANTO CO (NEW)</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>61166W101</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
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    <votingAuthority>
      <Sole>25</Sole>
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      <None>50</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>61174X109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>396</Sole>
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      <None>0</None>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>617446448</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3165</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3165</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC      COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>620076307</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
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    <votingAuthority>
      <Sole>107</Sole>
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      <None>0</None>
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    <nameOfIssuer>MURPHY USA INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>626755102</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
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    <votingAuthority>
      <Sole>505</Sole>
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      <None>0</None>
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    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
    <value>1936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71832</sshPrnamt>
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    <votingAuthority>
      <Sole>24431</Sole>
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      <None>47401</None>
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    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
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    <cusip>628778102</cusip>
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      <sshPrnamt>5519</sshPrnamt>
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      <Sole>5519</Sole>
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    <nameOfIssuer>NASDAQ INC                  COM</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-MUTUAL FD</titleOfClass>
    <cusip>631103108</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2160</sshPrnamt>
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    <votingAuthority>
      <Sole>2160</Sole>
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    <nameOfIssuer>NATIONAL INSTRUMENTS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>636518102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1055</sshPrnamt>
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    <nameOfIssuer>NATIONAL OILWELL VARCO INC  COM</nameOfIssuer>
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    <cusip>637071101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
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      <Sole>375</Sole>
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    <nameOfIssuer>NATIONAL OILWELL VARCO INC  COM</nameOfIssuer>
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    <cusip>637071101</cusip>
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      <sshPrnamt>41</sshPrnamt>
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    <nameOfIssuer>NEOGEN CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>640491106</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>532</sshPrnamt>
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      <Sole>532</Sole>
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    <cusip>651229106</cusip>
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      <sshPrnamt>555</sshPrnamt>
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      <Sole>555</Sole>
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    <cusip>65339F101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3978</sshPrnamt>
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    <votingAuthority>
      <Sole>3877</Sole>
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      <None>101</None>
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    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>654106103</cusip>
    <value>3029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49278</sshPrnamt>
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    <votingAuthority>
      <Sole>45468</Sole>
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      <None>3810</None>
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    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>654106103</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
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    <nameOfIssuer>NIPPON TELEG &amp; TEL CORP     SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>654624105</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
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      <Sole>325</Sole>
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    <nameOfIssuer>NORFOLK SOUTHERN CORP       COM</nameOfIssuer>
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    <cusip>655844108</cusip>
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      <sshPrnamt>980</sshPrnamt>
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      <Sole>980</Sole>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP COM</nameOfIssuer>
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    <cusip>666807102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>713</sshPrnamt>
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    <votingAuthority>
      <Sole>713</Sole>
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    <nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>66987V109</cusip>
    <value>49</value>
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      <sshPrnamt>678</sshPrnamt>
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      <Sole>678</Sole>
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    <nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>66987V109</cusip>
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    <nameOfIssuer>NUCOR CORP                  COM</nameOfIssuer>
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    <cusip>670346105</cusip>
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    <nameOfIssuer>NUVEEN INSURED NY T/F</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>670656107</cusip>
    <value>18</value>
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      <sshPrnamt>1318</sshPrnamt>
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    <votingAuthority>
      <Sole>1318</Sole>
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    <cusip>67066G104</cusip>
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      <sshPrnamt>11633</sshPrnamt>
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    <votingAuthority>
      <Sole>10761</Sole>
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      <None>872</None>
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    <nameOfIssuer>NUVEEN INSD DIVID ADVAN</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>67071L106</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>498</sshPrnamt>
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    <votingAuthority>
      <Sole>498</Sole>
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    <nameOfIssuer>NUVEEN CR STRATEGIES INCM FDCOM SHS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67073D102</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>624</Sole>
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      <None>0</None>
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    <nameOfIssuer>OGE ENERGY CORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>670837103</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>785</Sole>
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      <None>0</None>
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    <nameOfIssuer>OCCIDENTAL PETE CORP DEL    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>674599105</cusip>
    <value>2089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29494</Sole>
      <Shared>0</Shared>
      <None>1030</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLIN CORP                   COM PAR $1</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>680665205</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVST</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>681936100</cusip>
    <value>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ONEOK INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>682680103</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31418</Sole>
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      <None>2755</None>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68389X105</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
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      <None>0</None>
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    <nameOfIssuer>OREXIGEN THERAPEUTICS INC   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>686164104</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>ORMAT TECHNOLOGIES INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>686688102</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>398</None>
    </votingAuthority>
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    <nameOfIssuer>OWENS ILL INC               COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>690768403</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>480</None>
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    <nameOfIssuer>PBF ENERGY INC              CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69318G106</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>290</Sole>
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      <None>0</None>
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    <nameOfIssuer>PG&amp;E CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69331C108</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>120</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>693475105</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8875</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69351T106</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>PRA GROUP INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69354N106</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>755</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PAL ALTO NETWORK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>697435105</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>60</None>
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    <nameOfIssuer>PANERA BREAD CO             CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69840W108</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57</None>
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    <nameOfIssuer>PAYCHEX INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>704326107</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5860</Sole>
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      <None>0</None>
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    <nameOfIssuer>PAYPAL HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>255</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>209</None>
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    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>3582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34953</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33581</Sole>
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      <None>1372</None>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
    <value>3310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111716</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99632</Sole>
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      <None>12084</None>
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  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1944</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1944</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718172109</cusip>
    <value>569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5804</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718546104</cusip>
    <value>181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2093</Sole>
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      <None>0</None>
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    <nameOfIssuer>PIMCO NEW YORK MUNI FD II</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>72200Y102</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>999</Sole>
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      <None>0</None>
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    <nameOfIssuer>PIMCO NY MUNI INC FUND III</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>72201E105</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>999</Sole>
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      <None>0</None>
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    <nameOfIssuer>PINNACLE WEST CAP CORP      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>723484101</cusip>
    <value>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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    <nameOfIssuer>POLARIS INDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>731068102</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>251</Sole>
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      <None>0</None>
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    <nameOfIssuer>POWER INTEGRATIONS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>739276103</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PWRSHS QQQ TR UN SER 1 - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>73935A104</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>475</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES SENIOR LOAN ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>14705</Sole>
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      <None>0</None>
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    <nameOfIssuer>POWERSHARES GLOBAL ETF TRUSTAGG PFD PORT</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73936T565</cusip>
    <value>2753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>180333</Sole>
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      <None>4167</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES GLOBAL ETF TRUSTAGG PFD PORT</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73936T565</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5586</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II       S&amp;P500 LOW VOL</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73937B779</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8780</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74005P104</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>426</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PRAXAIR INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74005P104</cusip>
    <value>20</value>
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      <sshPrnamt>175</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>PRICELINE GRP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>741503403</cusip>
    <value>965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>749</sshPrnamt>
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      <Sole>704</Sole>
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      <None>45</None>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>742718109</cusip>
    <value>3470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42154</sshPrnamt>
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      <None>1750</None>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>742718109</cusip>
    <value>131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1593</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>743315103</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7495</sshPrnamt>
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      <Sole>7495</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROLOGIS INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74340W103</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>242</None>
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    <nameOfIssuer>PROTO LABS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>743713109</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>585</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINANCIAL INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744320102</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
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    <votingAuthority>
      <Sole>37</Sole>
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      <None>0</None>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>3049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64696</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62926</Sole>
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      <None>1770</None>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
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    <votingAuthority>
      <Sole>332</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>747525103</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>525</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74834L100</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>722</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUESTAR CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>748356102</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>545</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RPM INTERNATIONAL INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>749685103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>107</None>
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    <nameOfIssuer>RAYTHEON CO CLASS B         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>755111507</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>322</Sole>
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      <None>0</None>
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    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>759509102</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>REYNOLDS AMERN INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>761713106</cusip>
    <value>587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11666</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RITCHIE BROS INC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>767744105</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1290</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RITE AID CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>767754104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROGERS CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>775133101</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>190</None>
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  <infoTable>
    <nameOfIssuer>ROSS STORES INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>778296103</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>460</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROYAL BANK OF CANADA</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>780087102</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPON ADR B</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>780259107</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1780</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1780</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONSD ADR A</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>780259206</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3145</sshPrnamt>
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      <Sole>115</Sole>
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      <None>3030</None>
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    <nameOfIssuer>RYDEX ETF TRUST             GUG S&amp;P500 EQ WT</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>78355W106</cusip>
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      <sshPrnamt>392</sshPrnamt>
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    <votingAuthority>
      <Sole>392</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SLM CORPORATION SECURITIES  COM</nameOfIssuer>
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    <cusip>78442P106</cusip>
    <value>1</value>
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      <sshPrnamt>187</sshPrnamt>
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      <Sole>187</Sole>
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    <nameOfIssuer>S &amp; P DEP RECEIPTS - ETF</nameOfIssuer>
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    <cusip>78462F103</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156</sshPrnamt>
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      <Sole>1156</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS - ETF</nameOfIssuer>
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    <cusip>78463V107</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1157</sshPrnamt>
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      <Sole>1157</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR SERIES TRUST           S&amp;P 600 SMCP VAL</nameOfIssuer>
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    <cusip>78464A300</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
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      <Sole>425</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR BARCLAYS HIGHYLD BD ETF</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>78464A417</cusip>
    <value>988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28852</sshPrnamt>
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    <votingAuthority>
      <Sole>28852</Sole>
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    <nameOfIssuer>SPDR S &amp; P DIVIDEND - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>208</Sole>
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    <nameOfIssuer>SVB FINL GROUP              COM</nameOfIssuer>
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    <cusip>78486Q101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
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    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1720</Sole>
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  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
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      <sshPrnamt>428</sshPrnamt>
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    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
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    <cusip>806857108</cusip>
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      <sshPrnamt>2767</sshPrnamt>
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    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
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    <cusip>806857108</cusip>
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      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>2150</Sole>
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    <nameOfIssuer>SCHWAB CHARLES CORP NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>808513105</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1495</sshPrnamt>
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      <Sole>1495</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR         US REIT ETF</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>808524847</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2011</sshPrnamt>
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    <votingAuthority>
      <Sole>2011</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCIQUEST INC NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>80908T101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SECTOR SPDR ENERGY ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SPDR FINANCE ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GRP INC       C/C</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>816300107</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SENECA FOODS CORP NEW       CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>817070105</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIGNATURE BK NEW YORK N Y   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>82669G104</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>828806109</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>83088M102</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>831865209</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>831865209</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>835495102</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>122</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SONY CORP                   ADR NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>835699307</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>842587107</cusip>
    <value>2249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42805</Sole>
      <Shared>0</Shared>
      <None>687</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>844741108</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPRINT CORP                 COM SER 1</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>85207U105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>196</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>854502101</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>866</Sole>
      <Shared>0</Shared>
      <None>121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1060</Sole>
      <Shared>0</Shared>
      <None>222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARWOOD HOTELS &amp; RESORTS   WORLDWIDE INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>85590A401</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARWOOD HOTELS &amp; RESORTS   WORLDWIDE INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>85590A401</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>124</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>857477103</cusip>
    <value>353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5070</Sole>
      <Shared>0</Shared>
      <None>960</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>858912108</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>1175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10203</Sole>
      <Shared>0</Shared>
      <None>754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SUNTRUST BANKS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>867914103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SWIFT TRANSN CO             CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87074U101</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SWISS HELVETIA FUND</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>870875101</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SYMANTEC CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>871503108</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYNGENTA AG SPONS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>87160A100</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>871829107</cusip>
    <value>2458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50584</Sole>
      <Shared>0</Shared>
      <None>2038</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TD AMERITRADE HLDG CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87236Y108</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>TECO ENERGY INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>872375100</cusip>
    <value>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5156</Sole>
      <Shared>0</Shared>
      <None>1350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>872540109</cusip>
    <value>2499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29758</Sole>
      <Shared>0</Shared>
      <None>2143</None>
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  <infoTable>
    <nameOfIssuer>TALEN ENERGY CORP           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87422J105</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>374</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87612E106</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>872</Sole>
      <Shared>0</Shared>
      <None>439</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87612E106</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEGNA INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87901J105</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA BRASIL SA        SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>87936R106</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERRAFORM PWR INC           CL A COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88104R100</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TESLA MTRS INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88160R101</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TESORO CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>881609101</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>882508104</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>883556102</cusip>
    <value>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3683</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>883556102</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>2655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15229</Sole>
      <Shared>0</Shared>
      <None>706</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TIME WARNER INC NEW COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>887317303</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>889478103</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOMPKINS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>890110109</cusip>
    <value>30401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>421607</Sole>
      <Shared>0</Shared>
      <None>53413</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOMPKINS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>890110109</cusip>
    <value>3711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57984</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT     COM NEW ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>891160509</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4775</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TOTAL S A SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>89151E109</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1957</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>89417E109</cusip>
    <value>2528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20733</Sole>
      <Shared>0</Shared>
      <None>928</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>89417E109</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TUPPERWARE BRANDS CORP      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>899896104</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TWENTY FIRST CENTY FOX INC  CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>90130A101</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TYSON FOODS INC             CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902494103</cusip>
    <value>483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6809</Sole>
      <Shared>0</Shared>
      <None>432</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902973304</cusip>
    <value>591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14558</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTLIMATE SOFTWARE GROUP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>90385D107</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UMPQUA HOLDINGS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>904214103</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>564</None>
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    <nameOfIssuer>UNILEVER N V                N Y SHS NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>904784709</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNILEVER N V                N Y SHS NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>904784709</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>283</None>
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  <infoTable>
    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>907818108</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED NATURAL FOODS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911163103</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>284</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>301</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>US OIL FUND LP - ETF</nameOfIssuer>
    <titleOfClass>STOCK PARTNERSHIPS COV</titleOfClass>
    <cusip>91232N108</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913017109</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2027</Sole>
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      <None>160</None>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913017109</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91324P102</cusip>
    <value>875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6790</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91324P102</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>918204108</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1035</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD DIV APPREC ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>921943858</cusip>
    <value>1186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS          CONSUM DIS ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92204A504</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX  FD ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042775</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10068</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY        INDEX - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042858</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VECTREN CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92240G101</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1170</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          S&amp;P 500 ETF SHS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>922908363</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          MCAP VL IDXVIP</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908512</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX REIT- ETF</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>2321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26516</Sole>
      <Shared>0</Shared>
      <None>1180</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP VAL ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID CAP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          VALUE ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>10378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125462</Sole>
      <Shared>55</Shared>
      <None>473</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          VALUE ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD TOT STK MKT VIPERS ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908769</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92343V104</cusip>
    <value>4350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75834</Sole>
      <Shared>0</Shared>
      <None>4603</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92343V104</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIACOM INC NEW CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92553P201</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92826C839</cusip>
    <value>195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VMARE, INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>928563402</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VOYA RISK MANAGED NAT RES FDCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92913C106</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WGL HLDGS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92924F106</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>432</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>W P CAREY INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92936U109</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WP GLIMCHER IN              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92939N102</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>182</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC NPV</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>92939U106</cusip>
    <value>339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WABTEC CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>929740108</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>132</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WALMART STORES INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931142103</cusip>
    <value>2627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37652</Sole>
      <Shared>0</Shared>
      <None>704</None>
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  <infoTable>
    <nameOfIssuer>WALMART STORES INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931142103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WALGREENS BTS ALL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931427108</cusip>
    <value>3486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38760</Sole>
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      <None>2621</None>
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  <infoTable>
    <nameOfIssuer>WALGREENS BTS ALL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931427108</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>94106L109</cusip>
    <value>2305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38511</Sole>
      <Shared>0</Shared>
      <None>553</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>941848103</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATTS WATER TECHNOLOGIES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>942749102</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>949746101</cusip>
    <value>2136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41032</Sole>
      <Shared>0</Shared>
      <None>3145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>949746101</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEST PAC BKG CORP</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>961214301</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6430</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITEWAVE FOODS CO          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>966244105</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHOLE FOODS MARKET INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>966837106</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>770</Sole>
      <Shared>0</Shared>
      <None>290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINDSTREAM HLDGS INC        COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>97382A200</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR               EMG MKTS SMCAP</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717W281</cusip>
    <value>67</value>
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