<SEC-DOCUMENT>0001387131-17-003599.txt : 20170711
<SEC-HEADER>0001387131-17-003599.hdr.sgml : 20170711
<ACCEPTANCE-DATETIME>20170711134014
ACCESSION NUMBER:		0001387131-17-003599
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170630
FILED AS OF DATE:		20170711
DATE AS OF CHANGE:		20170711
EFFECTIVENESS DATE:		20170711

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:		17959575

	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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<TYPE>13F-HR
<SEQUENCE>1
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          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2017</periodOfReport>
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      <reportCalendarOrQuarter>06-30-2017</reportCalendarOrQuarter>
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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>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-05097</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <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>07-11-2017</signatureDate>
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      <sshPrnamt>53618</sshPrnamt>
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    <votingAuthority>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>039483102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4034</sshPrnamt>
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    <votingAuthority>
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      <None>290</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>044186104</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>564</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>1561</sshPrnamt>
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    <votingAuthority>
      <Sole>1561</Sole>
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      <None>0</None>
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      <sshPrnamt>350</sshPrnamt>
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      <None>0</None>
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    <cusip>00206R102</cusip>
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      <sshPrnamt>39316</sshPrnamt>
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      <None>11517</None>
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    <cusip>00206R102</cusip>
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      <sshPrnamt>1600</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ATHENAHEALTH INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04685W103</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>386</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
    <value>931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9087</sshPrnamt>
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    <votingAuthority>
      <Sole>7857</Sole>
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      <None>1230</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>770</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOZONE INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053332102</cusip>
    <value>1328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2328</sshPrnamt>
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    <votingAuthority>
      <Sole>2077</Sole>
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      <None>251</None>
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    <nameOfIssuer>AVERY DENNISON CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053611109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85</Sole>
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      <None>0</None>
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    <nameOfIssuer>AVISTA CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>05379B107</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>103</Sole>
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      <None>0</None>
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    <nameOfIssuer>BALCHEM CORP                COM</nameOfIssuer>
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    <cusip>057665200</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OF AMERICA CORPORATION COM</nameOfIssuer>
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    <cusip>060505104</cusip>
    <value>12</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>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>071813109</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4512</sshPrnamt>
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    <votingAuthority>
      <Sole>3312</Sole>
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      <None>1200</None>
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    <nameOfIssuer>BB&amp;T CORP                   COM</nameOfIssuer>
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    <cusip>054937107</cusip>
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      <sshPrnamt>52660</sshPrnamt>
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    <votingAuthority>
      <Sole>51857</Sole>
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      <None>803</None>
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    <nameOfIssuer>BCE INC COM NEW</nameOfIssuer>
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    <cusip>05534B760</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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      <Sole>300</Sole>
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    <nameOfIssuer>BEACON ROOFING SUPPLY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>073685109</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
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      <Sole>870</Sole>
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      <None>0</None>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO       COM</nameOfIssuer>
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    <cusip>075887109</cusip>
    <value>92</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>BED BATH &amp; BEYOND INC       COM</nameOfIssuer>
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    <cusip>075896100</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</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>
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    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
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      <None>1</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670702</cusip>
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    <votingAuthority>
      <Sole>3202</Sole>
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      <None>875</None>
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    <nameOfIssuer>BHP BILLITON LIMITED ADR</nameOfIssuer>
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    <cusip>088606108</cusip>
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      <sshPrnamt>45</sshPrnamt>
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    <nameOfIssuer>BLACKROCK, INC</nameOfIssuer>
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    <cusip>09247X101</cusip>
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      <sshPrnamt>730</sshPrnamt>
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      <Sole>730</Sole>
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    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
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    <cusip>097023105</cusip>
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      <sshPrnamt>1408</sshPrnamt>
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      <Sole>1408</Sole>
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    <nameOfIssuer>BP AMOCO PLC                SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>055622104</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1401</sshPrnamt>
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    <votingAuthority>
      <Sole>1401</Sole>
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    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>110122108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4864</sshPrnamt>
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      <Sole>4864</Sole>
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    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>110122108</cusip>
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      <sshPrnamt>289</sshPrnamt>
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    <nameOfIssuer>BROADCOM LTD                SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>Y09827109</cusip>
    <value>604</value>
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      <sshPrnamt>2590</sshPrnamt>
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    <votingAuthority>
      <Sole>2590</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS   INC</nameOfIssuer>
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    <cusip>11133T103</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
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      <Sole>230</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROOK AUTOMATION INC</nameOfIssuer>
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    <cusip>114340102</cusip>
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      <sshPrnamt>1350</sshPrnamt>
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      <Sole>1350</Sole>
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      <None>0</None>
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    <nameOfIssuer>C H ROBINSON WORLWIDE INC</nameOfIssuer>
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    <cusip>12541W209</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>85</Sole>
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      <None>0</None>
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    <nameOfIssuer>CA INC                      COM</nameOfIssuer>
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    <cusip>12673P105</cusip>
    <value>13</value>
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      <sshPrnamt>383</sshPrnamt>
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      <Sole>383</Sole>
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    <nameOfIssuer>CALGON CARBON CORP</nameOfIssuer>
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    <cusip>129603106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAPITAL ONE FINL CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1114</value>
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      <sshPrnamt>13481</sshPrnamt>
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      <Sole>12751</Sole>
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      <None>730</None>
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    <nameOfIssuer>CARDINAL HEALTH INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14149Y108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7291</sshPrnamt>
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    <votingAuthority>
      <Sole>5501</Sole>
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      <None>1790</None>
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    <cusip>149123101</cusip>
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    <nameOfIssuer>CDK GLOBAL INC              COM</nameOfIssuer>
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    <cusip>12508E101</cusip>
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    <cusip>15189T107</cusip>
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    <cusip>156782104</cusip>
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    <cusip>159179100</cusip>
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    <cusip>16359R103</cusip>
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    <cusip>163851108</cusip>
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      <sshPrnamt>332</sshPrnamt>
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    <cusip>166764100</cusip>
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    <cusip>166764100</cusip>
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    <nameOfIssuer>CHIPOLTE MEXICAN GRILL</nameOfIssuer>
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    <cusip>169656105</cusip>
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      <sshPrnamt>565</sshPrnamt>
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    <cusip>H1467J104</cusip>
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    <cusip>17275R102</cusip>
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      <sshPrnamt>103255</sshPrnamt>
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    <nameOfIssuer>CITIGROUP INC COM NEW</nameOfIssuer>
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    <cusip>172967424</cusip>
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    <cusip>189054109</cusip>
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    <cusip>12572Q105</cusip>
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    <cusip>189754104</cusip>
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    <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer>
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    <cusip>225447101</cusip>
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    <nameOfIssuer>CVS HEALTH CORP             COM</nameOfIssuer>
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    <cusip>126650100</cusip>
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    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
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    <cusip>235851102</cusip>
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    <nameOfIssuer>DARDEN RESTAURANTS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>237194105</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>24906P109</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>253868103</cusip>
    <value>437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254709108</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO              COM DISNEY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254687106</cusip>
    <value>2944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25467</Sole>
      <Shared>0</Shared>
      <None>2244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25746U109</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3941</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORMAN PRODUCTS INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>258278100</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>260543103</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DR PEPPER SNAPPLE GROUP INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26138E109</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM    NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26441C204</cusip>
    <value>3130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36580</Sole>
      <Shared>0</Shared>
      <None>865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT E I DENEMOURS &amp; CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>263534109</cusip>
    <value>541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5037</Sole>
      <Shared>0</Shared>
      <None>1662</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>23355L106</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G29183103</cusip>
    <value>16</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>EATON VANCE NEW YORK MUN BD COM</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>27827Y109</cusip>
    <value>364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
    <value>388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>281020107</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>291011104</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>29250N105</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>858</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP UNIT LTD PRT INT</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>29278N103</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS         PARTNERS LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>293792107</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2185</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EVOLENT HEALTH INC          CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30050B101</cusip>
    <value>19</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>
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  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPONENT INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30214U102</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>434</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>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>6121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71311</Sole>
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      <None>4522</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FACEBOOK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30303M102</cusip>
    <value>713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4724</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FASTENAL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>311900104</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>31428X106</cusip>
    <value>135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST FINL BANCORP OHIO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>320209109</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1912</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>33738R605</cusip>
    <value>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6298</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>33738R605</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>337932107</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>337738108</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>34354P105</cusip>
    <value>19</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>FORD MOTOR CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>345370860</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIS INC                  COM</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>349553107</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>34959J108</cusip>
    <value>316</value>
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      <sshPrnamt>4990</sshPrnamt>
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    <cusip>387328107</cusip>
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    <cusip>418056107</cusip>
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    <cusip>422806109</cusip>
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    <cusip>42824C109</cusip>
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      <sshPrnamt>1333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>457187102</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INOVALON HLDGS INC          COM CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45781D101</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>1415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35637</Sole>
      <Shared>0</Shared>
      <None>6320</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>2821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17783</Sole>
      <Shared>0</Shared>
      <None>555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>800</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>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>13314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70974</Sole>
      <Shared>11</Shared>
      <None>5561</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>532</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>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2692</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MIN VOL EMRG MKT</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464286533</cusip>
    <value>6</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                     S&amp;P 500 GRWT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     SP SMCP600VL ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2237</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA ESG SLCT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464288802</cusip>
    <value>2531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24755</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>397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4696</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD HIGH YIELDCORPORATE BOND - E</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD INV GRADE CORPORATE BOND - E</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 CORE MSCI EMKT</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46434G103</cusip>
    <value>2718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 MSCI SINGPOR ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46434G780</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MBS ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>61</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 MIDCAP 400 ETF      GROWTH</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MIDCAP 400 VALUE ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI CANADA - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286509</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287465</cusip>
    <value>2246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34224</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING       MARKETS - ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21070</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI PACIFIC        EX JAPAN - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286665</cusip>
    <value>43</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>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>3662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17124</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>42</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        VALUE - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>827</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 -ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>3023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S &amp; P 500 VALUE     INDEX FUND - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>619</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>832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3420</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>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46432F842</cusip>
    <value>4933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81031</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>793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7147</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>23052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>328238</Sole>
      <Shared>51</Shared>
      <None>4656</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL USA ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>14495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>294848</Sole>
      <Shared>142</Shared>
      <None>1254</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL USA ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1641</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                  RUS 1000 ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464287622</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL          1000 GRW - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464287614</cusip>
    <value>4559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHS MSCI AUSTRALIA INDX ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286103</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</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>5671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41705</Sole>
      <Shared>0</Shared>
      <None>1167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478160104</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>4651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48043</Sole>
      <Shared>0</Shared>
      <None>2843</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>487836108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>48</None>
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  <infoTable>
    <nameOfIssuer>KEYCORP NEW                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>493267108</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>494368103</cusip>
    <value>2776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20601</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>494368103</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>49456B101</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>590</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>KOHLS CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>500255104</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>500754106</cusip>
    <value>794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8271</Sole>
      <Shared>0</Shared>
      <None>995</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>500754106</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>513272104</cusip>
    <value>9</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>
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  <infoTable>
    <nameOfIssuer>LANDEC CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>514766104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>532457108</cusip>
    <value>2809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32430</Sole>
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      <None>1707</None>
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  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>532457108</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>341</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINDSAY CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>535555106</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LKQ CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>501889208</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>880</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>539830109</cusip>
    <value>460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1658</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>539830109</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>145</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>548661107</cusip>
    <value>923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9463</Sole>
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      <None>2438</None>
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  <infoTable>
    <nameOfIssuer>MANULIFE FINL CORP COM</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>56501R106</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>980</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>565849106</cusip>
    <value>2</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>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>56585A102</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>408</Sole>
      <Shared>0</Shared>
      <None>292</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW  CLA</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>571903202</cusip>
    <value>804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8017</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MARRIOTT VACATIONS WORLDWIDE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57164Y107</cusip>
    <value>12</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>
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  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>571748102</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1370</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED     CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>1159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9260</Sole>
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      <None>286</None>
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  <infoTable>
    <nameOfIssuer>MAXIM INTEGRATED PRODS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57772K101</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3018</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MAXUMUS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>577933104</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC          COM NON VTG</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>579780206</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>580135101</cusip>
    <value>3968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25907</sshPrnamt>
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    <votingAuthority>
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      <None>591</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>580135101</cusip>
    <value>176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>MCKESSON CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>225</None>
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    <nameOfIssuer>MEDNAX INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>58502B106</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>585</Sole>
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      <None>0</None>
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    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4268</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>3137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45322</Sole>
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      <None>3634</None>
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    <nameOfIssuer>MERCK &amp; CO INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>455</Sole>
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      <None>0</None>
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    <nameOfIssuer>METLIFE INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>59156R108</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3724</sshPrnamt>
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    <votingAuthority>
      <Sole>2574</Sole>
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      <None>1150</None>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>595017104</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5249</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>595017104</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>955</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>594918104</cusip>
    <value>5753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77514</Sole>
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      <None>5951</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>594918104</cusip>
    <value>110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1594</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>596278101</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>295</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>609207105</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>445</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>609207105</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>365</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONSANTO CO (NEW)</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>61166W101</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>50</None>
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    <nameOfIssuer>MOSAIC CO NEW COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>61945C103</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>MOTOROLA SOLUTIONS INC      COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>620076307</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>107</Sole>
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      <None>0</None>
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    <nameOfIssuer>NATIONAL INSTRUMENTS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>636518102</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1983</Sole>
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      <None>0</None>
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    <nameOfIssuer>NATIONAL OILWELL VARCO INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>637071101</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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    <nameOfIssuer>NATIONAL RETAIL PPTYS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>637417106</cusip>
    <value>1736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44412</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43286</Sole>
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      <None>1126</None>
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    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
    <value>2447</value>
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      <sshPrnamt>66213</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20663</Sole>
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      <None>45550</None>
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    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
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      <sshPrnamt>4305</sshPrnamt>
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    <votingAuthority>
      <Sole>4305</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEOGEN CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>640491106</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>305</Sole>
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    <nameOfIssuer>NEW YORK COMMUNITY BANCORP  INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>649445103</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEWS CORP NEW               CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>65249B109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
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    <votingAuthority>
      <Sole>23</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>65339F101</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>654106103</cusip>
    <value>486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8244</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6944</Sole>
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      <None>1300</None>
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    <nameOfIssuer>NOKIA CORP PFD SPONS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>654902204</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>177</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORFOLK SOUTHERN CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>655844108</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>555</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>666807102</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1468</Sole>
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      <None>0</None>
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    <nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>66987V109</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>878</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>878</Sole>
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      <None>0</None>
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    <nameOfIssuer>NUCOR CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>670346105</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1250</Sole>
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    <nameOfIssuer>NUVEEN NEW YORK AMT QLT MUNICOM</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>670656107</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2618</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2618</Sole>
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  <infoTable>
    <nameOfIssuer>NVIDIA CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67066G104</cusip>
    <value>1202</value>
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      <sshPrnamt>8314</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7583</Sole>
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      <None>731</None>
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    <nameOfIssuer>OCCIDENTAL PETE CORP DEL    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>674599105</cusip>
    <value>2060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34424</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33675</Sole>
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      <None>749</None>
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    <nameOfIssuer>OGE ENERGY CORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>670837103</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>885</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>885</Sole>
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      <None>0</None>
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    <nameOfIssuer>OPPENHEIMER REV WEIGHTD ETF ULTRA DIVID REV</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>68386C401</cusip>
    <value>10716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>315165</Sole>
      <Shared>149</Shared>
      <None>1370</None>
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  <infoTable>
    <nameOfIssuer>OPPENHEIMER REV WEIGHTD ETF ULTRA DIVID REV</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>68386C401</cusip>
    <value>10</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>
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  <infoTable>
    <nameOfIssuer>OPPENHEIMER REV WEIGHTED ETFSMALL CAP REV ET</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>68386C302</cusip>
    <value>4009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60446</Sole>
      <Shared>29</Shared>
      <None>255</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OPPENHEIMER REV WEIGHTED ETFSMALL CAP REV ET</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>68386C302</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68389X105</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9202</Sole>
      <Shared>0</Shared>
      <None>2755</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>704326107</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>1903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33071</Sole>
      <Shared>0</Shared>
      <None>2380</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                 SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>3765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31219</Sole>
      <Shared>0</Shared>
      <None>1381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>115</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
    <value>3043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80440</Sole>
      <Shared>0</Shared>
      <None>10158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69331C108</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718172109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718546104</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>723484101</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>693475105</cusip>
    <value>609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNM RES INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69349H107</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWER INTEGRATIONS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>739276103</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <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>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES GLOBAL ETF TRUSTAGG PFD PORT</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73936T565</cusip>
    <value>3658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>237449</Sole>
      <Shared>0</Shared>
      <None>4640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES GLOBAL ETF TRUSTAGG PFD PORT</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>73936T565</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES SENIOR LOAN ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69351T106</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRA GROUP INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69354N106</cusip>
    <value>29</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74005P104</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GRP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>741503403</cusip>
    <value>509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>742718109</cusip>
    <value>3672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40435</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>742718109</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROTO LABS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>743713109</cusip>
    <value>50</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>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>2866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65163</Sole>
      <Shared>0</Shared>
      <None>1478</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>364</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PWRSHS QQQ TR UN SER 1 - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>73935A104</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>747525103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALITY CARE PPTYS INC      COM</nameOfIssuer>
    <titleOfClass>REAL ESTATE PARTNERSHIPS</titleOfClass>
    <cusip>747545101</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74834L100</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO CLASS B         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>755111507</cusip>
    <value>495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3063</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REYNOLDS AMERN INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>761713106</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITCHIE BROS INC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>767744105</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITE AID CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>767754104</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <cusip>780259206</cusip>
    <value>161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3030</None>
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    <nameOfIssuer>S &amp; P DEP RECEIPTS - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1117</Sole>
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      <None>0</None>
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    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1610</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>554</Sole>
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      <None>0</None>
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    <nameOfIssuer>SANOFI SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>80105N105</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806857108</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>965</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806857108</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCHWAB CHARLES CORP NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>808513105</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>192</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR         EMRG MKTEQ ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>10971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>437319</Sole>
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      <None>4301</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR         EMRG MKTEQ ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>198</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>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7157</Sole>
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      <None>0</None>
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    <nameOfIssuer>SELECTIVE INS GRP INC       C/C</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>816300107</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1438</Sole>
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      <None>0</None>
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    <nameOfIssuer>SENECA FOODS CORP NEW       CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>817070105</cusip>
    <value>18</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>
    <nameOfIssuer>SIGNATURE BK NEW YORK N Y   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>82669G104</cusip>
    <value>57</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>
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    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>828806109</cusip>
    <value>59</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>
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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>
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      <None>0</None>
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    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>842587107</cusip>
    <value>2411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49459</Sole>
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      <None>892</None>
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  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS - ETF</nameOfIssuer>
    <titleOfClass>ALTERNATIVES-ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>816</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR S &amp; P DIVIDEND - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>537</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR SERIES TRUST           BLOOMBERG BRCLYS</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>78464A417</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2827</sshPrnamt>
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    <votingAuthority>
      <Sole>2827</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           S&amp;P 600 SMCP VAL</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>78464A300</cusip>
    <value>102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>855</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR SERIES TRUST           WELLS FG PFD ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>78464A292</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8950</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8950</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPRINT CORP                 COM SER 1</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>85207U105</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>196</Sole>
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      <None>0</None>
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    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>854502101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>112</Sole>
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      <None>0</None>
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    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>1170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19678</Sole>
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      <None>390</None>
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    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1060</Sole>
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      <None>0</None>
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    <nameOfIssuer>STATE STR CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>857477103</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2917</Sole>
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      <None>765</None>
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    <nameOfIssuer>STRATASYS LTD</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>M85548101</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1030</Sole>
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      <None>0</None>
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    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>1413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9533</Sole>
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      <None>647</None>
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    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>139</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>
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  <infoTable>
    <nameOfIssuer>SWISS HELVETIA FUND</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>870875101</cusip>
    <value>6</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>SYSCO CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>871829107</cusip>
    <value>170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3383</Sole>
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      <None>0</None>
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    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87612E106</cusip>
    <value>4</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>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87612E106</cusip>
    <value>21</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>
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    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>H84989104</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6480</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>882508104</cusip>
    <value>401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5217</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>883556102</cusip>
    <value>636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3643</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>883556102</cusip>
    <value>262</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>872540109</cusip>
    <value>2255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29139</Sole>
      <Shared>0</Shared>
      <None>2109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOMPKINS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>890110109</cusip>
    <value>37984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>482515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>440687</Sole>
      <Shared>0</Shared>
      <None>41828</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOMPKINS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>890110109</cusip>
    <value>1243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORCHMARK CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>891027104</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>891092108</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOTAL S A SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>89151E109</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>89417E109</cusip>
    <value>2739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20787</Sole>
      <Shared>0</Shared>
      <None>865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>89417E109</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWENTY FIRST CENTY FOX INC  CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>90130A101</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC             CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902494103</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3714</Sole>
      <Shared>0</Shared>
      <None>392</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC AMER SHS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>904767704</cusip>
    <value>16</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>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>907818108</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED NATURAL FOODS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911163103</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913017109</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1871</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913017109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91324P102</cusip>
    <value>802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4325</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>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITI GROUP INC             COM</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>91325V108</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902973304</cusip>
    <value>494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9525</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>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>260</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>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92047W101</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC    500 GRTH IDX F</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>921932505</cusip>
    <value>24239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>196431</Sole>
      <Shared>85</Shared>
      <None>860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC    500 GRTH IDX F</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>921932505</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD IND FD ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>921937835</cusip>
    <value>1618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          S&amp;P 500 ETF SHS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>922908363</cusip>
    <value>7448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33539</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>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>817</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>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>63</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>2098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24025</Sole>
      <Shared>0</Shared>
      <None>1180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX  FD ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042775</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FFTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042874</cusip>
    <value>18571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>336873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>334221</Sole>
      <Shared>62</Shared>
      <None>2590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID CAP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP GRWTH ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP VAL ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>562</Sole>
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    <cusip>921943858</cusip>
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    <cusip>92204A306</cusip>
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    <cusip>92343X100</cusip>
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    <cusip>92345Y106</cusip>
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    <cusip>92826C839</cusip>
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    <cusip>92857W308</cusip>
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    <cusip>92936U109</cusip>
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    <cusip>931427108</cusip>
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    <cusip>931142103</cusip>
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    <cusip>93964W108</cusip>
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    <cusip>94106L109</cusip>
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    <cusip>942749102</cusip>
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    <cusip>92939U106</cusip>
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    <cusip>949746101</cusip>
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    <cusip>955306105</cusip>
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    <cusip>92924F106</cusip>
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    <cusip>97382A200</cusip>
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    <nameOfIssuer>WISDOMTREE TR               EUROPE HEDGED EQ</nameOfIssuer>
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    <cusip>97717X701</cusip>
    <value>2300</value>
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    <cusip>98956P102</cusip>
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</TEXT>
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</SEC-DOCUMENT>
