<SEC-DOCUMENT>0001387131-19-000291.txt : 20190122
<SEC-HEADER>0001387131-19-000291.hdr.sgml : 20190122
<ACCEPTANCE-DATETIME>20190122102629
ACCESSION NUMBER:		0001387131-19-000291
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20181231
FILED AS OF DATE:		20190122
DATE AS OF CHANGE:		20190122
EFFECTIVENESS DATE:		20190122

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:		19534586

	BUSINESS ADDRESS:	
		STREET 1:		118 E SENECA STREET
		STREET 2:		P.O. BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14850
		BUSINESS PHONE:		607-274-2078

	MAIL ADDRESS:	
		STREET 1:		118 E. SENECA STREET
		STREET 2:		PO BOX 460
		CITY:			ITHACA
		STATE:			NY
		ZIP:			14850

	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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          <cik>0001005817</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2018</periodOfReport>
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      <reportCalendarOrQuarter>12-31-2018</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
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        <name>TOMPKINS FINANCIAL CORP</name>
        <address>
          <ns1:street1>118 E. Seneca Street</ns1:street1>
          <ns1:street2>Po Box 460</ns1:street2>
          <ns1:city>Ithaca</ns1:city>
          <ns1:stateOrCountry>NY</ns1:stateOrCountry>
          <ns1:zipCode>14850</ns1:zipCode>
        </address>
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      <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>01-18-2019</signatureDate>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>025816109</cusip>
    <value>381</value>
    <shrsOrPrnAmt>
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      <None>1025</None>
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    <nameOfIssuer>AMERICAN TOWER REIT</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>03027X100</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>380</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>030420103</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>AMERIPRISE FINL INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03076C106</cusip>
    <value>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1705</sshPrnamt>
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      <Sole>1705</Sole>
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    <nameOfIssuer>AMGEN INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>031162100</cusip>
    <value>3862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19838</sshPrnamt>
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    <votingAuthority>
      <Sole>18083</Sole>
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      <None>1755</None>
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    <nameOfIssuer>ANADARKO PETE CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032511107</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
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      <None>90</None>
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    <nameOfIssuer>ANALOG DEVICES INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032654105</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
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    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV  SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>03524A108</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>622</sshPrnamt>
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    <votingAuthority>
      <Sole>622</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANSYS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03662Q105</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331</sshPrnamt>
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    <votingAuthority>
      <Sole>331</Sole>
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      <None>0</None>
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    <nameOfIssuer>APPLE INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>9896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62737</sshPrnamt>
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    <votingAuthority>
      <Sole>60481</Sole>
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      <None>2256</None>
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    <nameOfIssuer>APPLE INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1057</sshPrnamt>
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      <Sole>1057</Sole>
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      <None>0</None>
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    <nameOfIssuer>AQUA AMER INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03836W103</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3625</sshPrnamt>
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      <Sole>3625</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>039483102</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1936</sshPrnamt>
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    <votingAuthority>
      <Sole>1646</Sole>
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      <None>290</None>
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  <infoTable>
    <nameOfIssuer>ARCONIC INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03965L100</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
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      <Sole>250</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARQULE INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04269E107</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC             SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>046353108</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1364</sshPrnamt>
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    <votingAuthority>
      <Sole>1364</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC             SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>046353108</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>342</sshPrnamt>
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      <Sole>342</Sole>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
    <value>1102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8403</sshPrnamt>
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    <votingAuthority>
      <Sole>7173</Sole>
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      <None>1230</None>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>763</sshPrnamt>
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      <Sole>763</Sole>
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  <infoTable>
    <nameOfIssuer>AUTOZONE INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053332102</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
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      <Sole>202</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053611109</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>773</sshPrnamt>
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      <Sole>773</Sole>
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      <None>0</None>
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    <nameOfIssuer>BB&amp;T CORP                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>054937107</cusip>
    <value>2540</value>
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      <sshPrnamt>58662</sshPrnamt>
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      <Sole>58178</Sole>
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      <None>484</None>
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    <nameOfIssuer>BCE INC COM NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>05534B760</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
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      <Sole>800</Sole>
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    <nameOfIssuer>BP AMOCO PLC                SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>055622104</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1401</sshPrnamt>
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    <votingAuthority>
      <Sole>1401</Sole>
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    <nameOfIssuer>BALCHEM CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>057665200</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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      <Sole>22</Sole>
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    <nameOfIssuer>BANK OF AMERICA CORPORATION COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>060505104</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
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      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>064058100</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
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      <Sole>0</Sole>
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      <None>377</None>
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    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>071813109</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4322</sshPrnamt>
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      <Sole>3122</Sole>
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      <None>1200</None>
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    <nameOfIssuer>BEACON ROOFING SUPPLY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>073685109</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>497</sshPrnamt>
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      <Sole>497</Sole>
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      <None>0</None>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>075887109</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
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    <votingAuthority>
      <Sole>450</Sole>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670108</cusip>
    <value>612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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      <Sole>1</Sole>
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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>
    <value>2239</value>
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      <sshPrnamt>10965</sshPrnamt>
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    <votingAuthority>
      <Sole>9563</Sole>
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      <None>1402</None>
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    <nameOfIssuer>BERKSHIRE HILLS BANCORP INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084680107</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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      <Sole>1000</Sole>
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    <nameOfIssuer>BLACKBAUD INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09227Q100</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
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      <Sole>62</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK, INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09247X101</cusip>
    <value>2506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6380</sshPrnamt>
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      <Sole>6315</Sole>
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    <nameOfIssuer>BLACKROCK, INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09247X101</cusip>
    <value>85</value>
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      <sshPrnamt>216</sshPrnamt>
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      <Sole>216</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK CORPOR HI YLD FD ICOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09255P107</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
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    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>097023105</cusip>
    <value>527</value>
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      <Sole>1633</Sole>
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  <infoTable>
    <nameOfIssuer>BOOKING HLDGS INC           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09857L108</cusip>
    <value>431</value>
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      <sshPrnamt>250</sshPrnamt>
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      <None>30</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>10922N103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>110122108</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5493</sshPrnamt>
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    <votingAuthority>
      <Sole>4493</Sole>
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      <None>1000</None>
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    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>110122108</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288</sshPrnamt>
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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>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
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      <None>0</None>
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    <cusip>11135F101</cusip>
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      <sshPrnamt>2490</sshPrnamt>
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    <votingAuthority>
      <Sole>2490</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROOK AUTOMATION INC</nameOfIssuer>
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    <cusip>114340102</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>12508E101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>758</sshPrnamt>
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    <votingAuthority>
      <Sole>758</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>
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    <shrsOrPrnAmt>
      <sshPrnamt>778</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>12572Q105</cusip>
    <value>917</value>
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      <sshPrnamt>4875</sshPrnamt>
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    <nameOfIssuer>CVS HEALTH CORP             COM</nameOfIssuer>
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    <cusip>126650100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2560</sshPrnamt>
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    <cusip>13321L108</cusip>
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      <sshPrnamt>133</sshPrnamt>
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    <nameOfIssuer>CAMPBELL SOUP CO            COM</nameOfIssuer>
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    <cusip>134429109</cusip>
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      <sshPrnamt>4145</sshPrnamt>
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    <cusip>14040H105</cusip>
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    <nameOfIssuer>CARDINAL HEALTH INC         COM</nameOfIssuer>
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    <cusip>14149Y108</cusip>
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      <sshPrnamt>3982</sshPrnamt>
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    <cusip>14149Y108</cusip>
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      <sshPrnamt>90</sshPrnamt>
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    <nameOfIssuer>CARLISLE COMPANIES INC</nameOfIssuer>
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    <cusip>142339100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
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      <Sole>92</Sole>
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    <nameOfIssuer>CARPENTER TECHNOLOGY CORP   COM</nameOfIssuer>
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    <cusip>144285103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
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      <Sole>50</Sole>
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    <cusip>14575E105</cusip>
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      <sshPrnamt>449</sshPrnamt>
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    <votingAuthority>
      <Sole>449</Sole>
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    <nameOfIssuer>CARTER OMC</nameOfIssuer>
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    <cusip>146229109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
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    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
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    <cusip>149123101</cusip>
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    <nameOfIssuer>CELGENE CORP                COM</nameOfIssuer>
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    <nameOfIssuer>CENTERPOINT ENERGY INC      COM</nameOfIssuer>
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    <cusip>15189T107</cusip>
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    <nameOfIssuer>CENTURYLINK INC             COM</nameOfIssuer>
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    <nameOfIssuer>CHARLES RIV LABORATORIES    INTL INC</nameOfIssuer>
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    <cusip>16359R103</cusip>
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      <sshPrnamt>400</sshPrnamt>
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    <nameOfIssuer>CHEMOURS CO                 COM</nameOfIssuer>
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    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
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    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC.</nameOfIssuer>
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    <cusip>171340102</cusip>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
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    <nameOfIssuer>CITIGROUP INC COM NEW</nameOfIssuer>
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    <cusip>172967424</cusip>
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    <nameOfIssuer>CLOROX CO DEL               COM</nameOfIssuer>
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    <cusip>189054109</cusip>
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      <sshPrnamt>344</sshPrnamt>
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    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
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      <Sole>6821</Sole>
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    <nameOfIssuer>COGNIZANT TECHNOLOGY SOL</nameOfIssuer>
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    <cusip>192446102</cusip>
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      <sshPrnamt>6738</sshPrnamt>
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      <Sole>4688</Sole>
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    <nameOfIssuer>COLGATE PALMOLIVE CO        COM</nameOfIssuer>
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    <cusip>194162103</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1815</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>20030N101</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7154</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>205887102</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONDUENT INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>206787103</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>20825C104</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5213</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>21036P108</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>659</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORNING INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>219350105</cusip>
    <value>3256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107804</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>103079</Sole>
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      <None>4725</None>
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    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160K105</cusip>
    <value>1863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9148</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8767</Sole>
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      <None>381</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160K105</cusip>
    <value>102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>COSTAR GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160N109</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160N109</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>179</Sole>
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  <infoTable>
    <nameOfIssuer>CUMMINS INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>231021106</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CURTISS-WRIGHT CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>231561101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>126</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>23355L106</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>235851102</cusip>
    <value>2419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21765</Sole>
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      <None>1697</None>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>237194105</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>24906P109</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>253868103</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2615</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DINE BRANDS GLOBAL INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254423106</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1335</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO              COM DISNEY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254687106</cusip>
    <value>2958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24844</Sole>
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      <None>2134</None>
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  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254709108</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2062</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25746U109</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5162</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOWDUPONT INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26078J100</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4496</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM    NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26441C204</cusip>
    <value>3810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43233</Sole>
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      <None>914</None>
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    <nameOfIssuer>EAST WEST BANCORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>27579R104</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>197</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>277432100</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1925</Sole>
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      <None>0</None>
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    <nameOfIssuer>EATON VANCE NEW YORK MUN BD COM</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>27827Y109</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14576</Sole>
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      <None>0</None>
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    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
    <value>623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4225</Sole>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>412</Sole>
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    <nameOfIssuer>EDISON INTL                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>281020107</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1459</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1459</Sole>
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  <infoTable>
    <nameOfIssuer>ELMIRA SVGS BK ELMIRA N Y   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>289660102</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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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>291011104</cusip>
    <value>554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8776</Sole>
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      <None>500</None>
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    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>29250N105</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1104</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1104</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER LP          COM UT LTD PTN</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>29273V100</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1487</sshPrnamt>
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    <votingAuthority>
      <Sole>1487</Sole>
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    <nameOfIssuer>ENTERPRISE PRODUCTS         PARTNERS LP</nameOfIssuer>
    <titleOfClass>PARTNERSHIPS</titleOfClass>
    <cusip>293792107</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>580</Sole>
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  <infoTable>
    <nameOfIssuer>EVERGY INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30034W106</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2448</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2448</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EVOLENT HEALTH INC          CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30050B101</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1217</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2811</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPONENT INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30214U102</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>784</Sole>
      <Shared>0</Shared>
      <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>5580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>76925</Sole>
      <Shared>0</Shared>
      <None>4914</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLIR SYS INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>302445101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30303M102</cusip>
    <value>446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>311900104</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>31428X106</cusip>
    <value>100</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>
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  <infoTable>
    <nameOfIssuer>FIRST FINL BANCORP OHIO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>320209109</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR VALUE LINE DIVID INSHS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>33734X143</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>59</Sole>
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      <None>0</None>
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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>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1211</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1211</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FISERV INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>337738108</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>862</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>337932107</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>667</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLUOR CORP NEW              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>343412102</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>34354P105</cusip>
    <value>8</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>FORD MOTOR CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>345370860</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17197</Sole>
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      <None>2006</None>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>34959J108</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3659</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC    COM</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>35086T109</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS CORPCOM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>35906A306</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34</Sole>
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      <None>2</None>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>363576109</cusip>
    <value>3176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42718</Sole>
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      <None>383</None>
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  <infoTable>
    <nameOfIssuer>GANNETT CO INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>36473H104</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>674</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GARRETT MOTION INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>366505105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369550108</cusip>
    <value>2563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16304</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15830</Sole>
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      <None>474</None>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369550108</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369604103</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39145</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33591</Sole>
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      <None>5554</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>369604103</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2135</Sole>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>370334104</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1067</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>372460105</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>726</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>375558103</cusip>
    <value>1006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16087</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15744</Sole>
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      <None>343</None>
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    <nameOfIssuer>GLAXO HOLDINGS PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>37733W105</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>622</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>622</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38141G104</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71</Sole>
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      <None>0</None>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR        EQUITY ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>381430503</cusip>
    <value>555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11039</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11039</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GRACE W R &amp; CO DEL NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38388F108</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>384802104</cusip>
    <value>310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1098</sshPrnamt>
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    <votingAuthority>
      <Sole>1098</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRAND CANYON ED INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>38526M106</cusip>
    <value>6</value>
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      <sshPrnamt>58</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58</Sole>
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    <nameOfIssuer>GRANITE CONSTRUCTION</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>387328107</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>40171V100</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>361</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HCA HOLDINGS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>40412C101</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>308</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HCP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>40414L109</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HP INC                      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>40434L105</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>334</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>406216101</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4660</Sole>
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      <None>0</None>
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    <nameOfIssuer>HARLEY DAVIDSON INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>412822108</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>HARRIS CORP DEL             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>413875105</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2013</Sole>
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      <None>0</None>
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    <nameOfIssuer>HARTFORD FINL SVCS GROUP INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>416515104</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1028</None>
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  <infoTable>
    <nameOfIssuer>HEICO CORP NEW              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>422806109</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>702</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>427866108</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
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      <None>0</None>
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    <nameOfIssuer>HESS CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>42809H107</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>4130</Sole>
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      <None>0</None>
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    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE CCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>42824C109</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HOLLYFRONTIER CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>436106108</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>437076102</cusip>
    <value>4581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26408</Sole>
      <Shared>0</Shared>
      <None>255</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>437076102</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>418</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>438516106</cusip>
    <value>3345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24472</Sole>
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      <None>850</None>
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    <nameOfIssuer>HORMEL FOODS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>440452100</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>298</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HORMEL FOODS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>440452100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>164</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>446413106</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>451107106</cusip>
    <value>9</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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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>648</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>829</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INGREDION INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>457187102</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>2064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37714</Sole>
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      <None>6270</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2950</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE INCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45866F104</cusip>
    <value>1286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15735</Sole>
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      <None>1338</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>2535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21738</Sole>
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      <None>562</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>272</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR              UNIT SER 1</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46090E103</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>444</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD TS&amp;P500 EQL WGT</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46137V357</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR S&amp;P500 LOW VOL</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46138E354</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6812</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6812</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TR ETF</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>46138E511</cusip>
    <value>3321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246594</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>244103</Sole>
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      <None>2491</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TR ETF</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>46138E511</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4766</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4766</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR SR LN ETF</nameOfIssuer>
    <titleOfClass>ALTERNATIVES-ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33955</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33955</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1376</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHS MSCI AUSTRALIA INDX ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286103</cusip>
    <value>19</value>
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      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI CANADA - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286509</cusip>
    <value>29</value>
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      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC                 MIN VOL EMRG MKT</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464286533</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI PACIFIC        EX JAPAN - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286665</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES DOW JONES SELECT DIVINDEX FD - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <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>890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3537</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE US AGGBD ET</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING       MARKETS - ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>1172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29945</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD INV GRADE CORPORATE BOND - ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4085</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>723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4797</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>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1112</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>668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7983</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287465</cusip>
    <value>1392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23460</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHS RUSSELL MIDCAP INDX ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11200</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>11758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65341</Sole>
      <Shared>4</Shared>
      <None>5467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NASDAQ              BIOTECHNOLOGY - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287556</cusip>
    <value>7</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 MIDCAP 400 ETF      GROWTH</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL          1000 GRW - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>4217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32210</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>748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6955</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>3226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14632</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>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>125</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>1872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13982</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>30</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                     CORE S&amp;P SCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>1146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15938</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     SP SMCP600VL ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2311</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  SHRT NAT MUN ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>4177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39626</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD HIGH YIELDCORPORATE BOND - ETF</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>890</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 U.S. PREFERRED      STOCK - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464288687</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA ESG SLCT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464288802</cusip>
    <value>3360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>31759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>471808</Sole>
      <Shared>94</Shared>
      <None>4613</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL USA ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>16004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>304388</Sole>
      <Shared>110</Shared>
      <None>934</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL USA ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46432F842</cusip>
    <value>4750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>86360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 CORE MSCI EMKT</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>13650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>287388</Sole>
      <Shared>40</Shared>
      <None>2090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 CORE MSCI EMKT</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1137</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 INC                 ESG MSCI EM ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>46434G863</cusip>
    <value>1257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>5385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52547</Sole>
      <Shared>0</Shared>
      <None>2620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHN HANCOCK EXCHANGE TRADEDMULTIFACTOR HE</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>47804J503</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1217</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>5956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45101</Sole>
      <Shared>0</Shared>
      <None>1055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478160104</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2421</Sole>
      <Shared>0</Shared>
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      <sshPrnamt>1800</sshPrnamt>
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    <cusip>494368103</cusip>
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    <cusip>494368103</cusip>
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      <sshPrnamt>369</sshPrnamt>
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    <nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
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    <cusip>49456B101</cusip>
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      <sshPrnamt>341</sshPrnamt>
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    <cusip>500754106</cusip>
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    <cusip>500754106</cusip>
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      <sshPrnamt>206</sshPrnamt>
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    <cusip>501889208</cusip>
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    <cusip>512807108</cusip>
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      <sshPrnamt>246</sshPrnamt>
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    <cusip>512816109</cusip>
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      <sshPrnamt>210</sshPrnamt>
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    <cusip>513272104</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>LANDEC CORP</nameOfIssuer>
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    <cusip>514766104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <cusip>526107107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
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    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
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    <cusip>532457108</cusip>
    <value>4151</value>
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      <sshPrnamt>35874</sshPrnamt>
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    <votingAuthority>
      <Sole>34407</Sole>
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    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>532457108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>321</sshPrnamt>
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      <Sole>321</Sole>
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    <nameOfIssuer>LINDSAY CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>535555106</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
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      <Sole>550</Sole>
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    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>539830109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1416</sshPrnamt>
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      <Sole>1416</Sole>
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    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
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    <cusip>539830109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
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    <nameOfIssuer>LOWES COS INC               COM</nameOfIssuer>
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    <cusip>548661107</cusip>
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    <nameOfIssuer>M&amp;T BANK CORPORATION</nameOfIssuer>
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    <cusip>55261F104</cusip>
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      <Sole>450</Sole>
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    <nameOfIssuer>MDU RES GROUP INC           COM</nameOfIssuer>
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    <cusip>552690109</cusip>
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      <Sole>100</Sole>
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    <nameOfIssuer>MANULIFE FINL CORP COM</nameOfIssuer>
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    <cusip>56501R106</cusip>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
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    <cusip>565849106</cusip>
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    <cusip>56585A102</cusip>
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    <nameOfIssuer>MARRIOTT VACATIONS WORLDWIDE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57164Y107</cusip>
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      <sshPrnamt>100</sshPrnamt>
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      <Sole>100</Sole>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC    COM</nameOfIssuer>
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    <cusip>571748102</cusip>
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      <sshPrnamt>2415</sshPrnamt>
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    <nameOfIssuer>MARRIOTT INTL INC NEW  CLA</nameOfIssuer>
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    <cusip>571903202</cusip>
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    <nameOfIssuer>MASTERCARD INCORPORATED     CL A</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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    <nameOfIssuer>MAXIM INTEGRATED PRODS INC  COM</nameOfIssuer>
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    <cusip>57772K101</cusip>
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    <cusip>577933104</cusip>
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      <sshPrnamt>70</sshPrnamt>
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      <sshPrnamt>309</sshPrnamt>
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    <nameOfIssuer>MCCORMICK &amp; CO INC          COM NON VTG</nameOfIssuer>
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    <cusip>579780206</cusip>
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    <cusip>580135101</cusip>
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    <nameOfIssuer>MCKESSON CORP               COM</nameOfIssuer>
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    <cusip>58155Q103</cusip>
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      <Sole>485</Sole>
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    <nameOfIssuer>MEDNAX INC</nameOfIssuer>
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    <cusip>58502B106</cusip>
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      <sshPrnamt>178</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>178</Sole>
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    <nameOfIssuer>MERCK &amp; CO INC              COM</nameOfIssuer>
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    <cusip>58933Y105</cusip>
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      <sshPrnamt>53974</sshPrnamt>
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    <votingAuthority>
      <Sole>50609</Sole>
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      <None>3365</None>
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    <cusip>595017104</cusip>
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      <sshPrnamt>4973</sshPrnamt>
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    <cusip>609207105</cusip>
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    <cusip>61945C103</cusip>
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    <nameOfIssuer>MOTOROLA SOLUTIONS INC      COM NEW</nameOfIssuer>
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    <cusip>620076307</cusip>
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    <cusip>628778102</cusip>
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    <cusip>628778102</cusip>
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    <nameOfIssuer>NATIONAL INSTRUMENTS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>636518102</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1098</sshPrnamt>
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    <nameOfIssuer>NATIONAL RETAIL PPTYS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>637417106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>987</sshPrnamt>
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    <votingAuthority>
      <Sole>987</Sole>
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    <nameOfIssuer>NEOGEN CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>640491106</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
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      <Sole>369</Sole>
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    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>64110L106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
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      <Sole>225</Sole>
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    <cusip>64110L106</cusip>
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    <nameOfIssuer>NEW YORK MTG TR INC         COM PAR $.02</nameOfIssuer>
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    <nameOfIssuer>NEWS CORP NEW               CL A</nameOfIssuer>
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    <cusip>65249B109</cusip>
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    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
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    <cusip>654106103</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>NOKIA CORP PFD SPONS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
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    <cusip>655844108</cusip>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP COM</nameOfIssuer>
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    <cusip>666807102</cusip>
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    <nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer>
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    <cusip>67066G104</cusip>
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    <nameOfIssuer>NVIDIA CORP                 COM</nameOfIssuer>
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    <cusip>67066G104</cusip>
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    <nameOfIssuer>OGE ENERGY CORP             COM</nameOfIssuer>
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    <cusip>670837103</cusip>
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    <nameOfIssuer>OCCIDENTAL PETE CORP DEL    COM</nameOfIssuer>
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    <cusip>674599105</cusip>
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    <nameOfIssuer>OPPENHEIMER ETF TR          S&amp;P 500 REVENUE</nameOfIssuer>
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    <cusip>68386C104</cusip>
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    <nameOfIssuer>OPPENHEIMER ETF TR          S&amp;P 500 REVENUE</nameOfIssuer>
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    <cusip>68386C104</cusip>
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    <nameOfIssuer>OPPENHEIMER ETF TR          S&amp;P SMALLCAP 600</nameOfIssuer>
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    <cusip>68386C302</cusip>
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    <nameOfIssuer>OPPENHEIMER ETF TR          S&amp;P SMALLCAP 600</nameOfIssuer>
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    <cusip>68386C302</cusip>
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    <nameOfIssuer>OPPENHEIMER ETF TR          S&amp;P ULTRA DIVIDE</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>68386C401</cusip>
    <value>88</value>
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    <cusip>68389X105</cusip>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
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    <cusip>693475105</cusip>
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      <Sole>2854</Sole>
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    <cusip>70432V102</cusip>
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      <sshPrnamt>299</sshPrnamt>
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    <cusip>704326107</cusip>
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    <cusip>70450Y103</cusip>
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    <cusip>713448108</cusip>
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    <cusip>713448108</cusip>
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    <cusip>717081103</cusip>
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    <cusip>717081103</cusip>
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    <cusip>718172109</cusip>
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    <cusip>718546104</cusip>
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    <cusip>723484101</cusip>
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      <sshPrnamt>1074</sshPrnamt>
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    <nameOfIssuer>POWER INTEGRATIONS INC</nameOfIssuer>
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    <cusip>739276103</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467</sshPrnamt>
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      <Sole>467</Sole>
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    <nameOfIssuer>PROCTER AND GAMBLE CO       COM</nameOfIssuer>
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    <cusip>742718109</cusip>
    <value>1317</value>
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      <sshPrnamt>14326</sshPrnamt>
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      <Sole>13201</Sole>
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      <None>1125</None>
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    <nameOfIssuer>PROSHARES TR                S&amp;P 500 DV ARIST</nameOfIssuer>
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    <cusip>74348A467</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROTO LABS INC</nameOfIssuer>
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    <cusip>743713109</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>593</sshPrnamt>
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      <Sole>593</Sole>
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    <nameOfIssuer>PRUDENTIAL FINANCIAL INC    COM</nameOfIssuer>
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    <cusip>744320102</cusip>
    <value>3</value>
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      <sshPrnamt>31</sshPrnamt>
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      <Sole>31</Sole>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
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      <sshPrnamt>71156</sshPrnamt>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
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    <cusip>744573106</cusip>
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      <sshPrnamt>412</sshPrnamt>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC       COM</nameOfIssuer>
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    <cusip>74834L100</cusip>
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      <sshPrnamt>700</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>RPM INTERNATIONAL INC       COM</nameOfIssuer>
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    <cusip>749685103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
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    <nameOfIssuer>RAYTHEON CO CLASS B         COM</nameOfIssuer>
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    <cusip>755111507</cusip>
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      <None>400</None>
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    <nameOfIssuer>RED HAT INC                 COM</nameOfIssuer>
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    <cusip>756577102</cusip>
    <value>9</value>
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      <Sole>50</Sole>
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    <nameOfIssuer>RESMED INC                  COM</nameOfIssuer>
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    <cusip>761152107</cusip>
    <value>17</value>
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    <votingAuthority>
      <Sole>146</Sole>
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  <infoTable>
    <nameOfIssuer>RITCHIE BROS INC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>767744105</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
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      <Sole>1700</Sole>
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    <nameOfIssuer>RITE AID CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>767754104</cusip>
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      <sshPrnamt>500</sshPrnamt>
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    <nameOfIssuer>ROLLINS INC                 COM</nameOfIssuer>
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    <cusip>775711104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>96</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONSD ADR A</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>780259206</cusip>
    <value>177</value>
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      <sshPrnamt>3030</sshPrnamt>
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      <None>3030</None>
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    <nameOfIssuer>S &amp; P DEP RECEIPTS - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78462F103</cusip>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           WELLS FG PFD ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>78464A292</cusip>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           S&amp;P 600 SMCP VAL</nameOfIssuer>
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    <cusip>78464A300</cusip>
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    <nameOfIssuer>SPDR SERIES TRUST           BLOOMBERG BRCLYS</nameOfIssuer>
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    <cusip>78464A417</cusip>
    <value>145</value>
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      <Sole>4312</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR S &amp; P DIVIDEND - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
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      <Sole>456</Sole>
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    <nameOfIssuer>SPDR DOW JONES INDL AVG- ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78467X109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>349</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>199</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1450</Sole>
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  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
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      <sshPrnamt>481</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>481</Sole>
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  <infoTable>
    <nameOfIssuer>SCHEIN HENRY INC.</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806407102</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
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    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806857108</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
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      <Sole>3149</Sole>
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    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806857108</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>808513105</cusip>
    <value>399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         EMRG MKTEQ ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         US REIT ETF</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>808524847</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GRP INC       C/C</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>816300107</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA ENERGY               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>816851109</cusip>
    <value>94</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENECA FOODS CORP NEW       CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>817070105</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIGNATURE BK NEW YORK N Y   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>82669G104</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>831865209</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP-ON INC (FORMERLY       SNAP-ON TOOLS CORP)</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>833034101</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY CORP                   ADR NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>835699307</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST GAS CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>844895102</cusip>
    <value>11</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>SPRINT CORP                 COM SER 1</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>85207U105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>196</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>854502101</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>1483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22623</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>938</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>857477103</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2718</Sole>
      <Shared>0</Shared>
      <None>765</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>1619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9701</Sole>
      <Shared>0</Shared>
      <None>625</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SWISS HELVETIA FUND</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>870875101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>871607107</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNNEX CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87162W100</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINL              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87165B103</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>871829107</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>636</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>3587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>76054</Sole>
      <Shared>0</Shared>
      <None>4124</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANGER FACTORY OUTLET CTRS ICOM</nameOfIssuer>
    <titleOfClass>REAL ESTATE PARTNERSHIPS</titleOfClass>
    <cusip>875465106</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87612E106</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEGNA INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>87901J105</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENNECO INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>880349105</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>882508104</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>883556102</cusip>
    <value>776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>883556102</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>3451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17519</Sole>
      <Shared>0</Shared>
      <None>595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOMPKINS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>890110109</cusip>
    <value>34949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>441947</Sole>
      <Shared>0</Shared>
      <None>23981</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOMPKINS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>890110109</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4830</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>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <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>
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    <nameOfIssuer>TRAVELERS COMPANIES INC     COM</nameOfIssuer>
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    <cusip>89417E109</cusip>
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    <nameOfIssuer>TWENTY FIRST CENTY FOX INC  CL A</nameOfIssuer>
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    <cusip>90130A101</cusip>
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    <cusip>90184L102</cusip>
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    <cusip>90214J101</cusip>
    <value>26</value>
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    <nameOfIssuer>TYLER TECHNOLOGIES INC      COM</nameOfIssuer>
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    <cusip>902252105</cusip>
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    <shrsOrPrnAmt>
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    <cusip>902252105</cusip>
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    <nameOfIssuer>TYSON FOODS INC             CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902494103</cusip>
    <value>194</value>
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    <nameOfIssuer>UGI CORP NEW COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902681105</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
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    <cusip>902973304</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>UTLIMATE SOFTWARE GROUP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>90385D107</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>UNILEVER PLC AMER SHS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>904767704</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>907818108</cusip>
    <value>396</value>
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      <None>400</None>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
    <value>2185</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>274</None>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913017109</cusip>
    <value>303</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>2685</Sole>
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    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913017109</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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      <Sole>100</Sole>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4056</sshPrnamt>
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    <votingAuthority>
      <Sole>4056</Sole>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91324P102</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
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      <Sole>195</Sole>
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    <nameOfIssuer>UNITI GROUP INC             COM</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>91325V108</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
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    <votingAuthority>
      <Sole>15</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNIVERSAL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>913456109</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
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      <None>400</None>
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    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>918204108</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
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      <Sole>636</Sole>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC    500 GRTH IDX F</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>921932505</cusip>
    <value>15412</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>113702</Sole>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC    500 GRTH IDX F</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>921932505</cusip>
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    <shrsOrPrnAmt>
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      <Sole>196</Sole>
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    <nameOfIssuer>VANGUARD BD IND FD ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>921937835</cusip>
    <value>5070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64002</sshPrnamt>
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      <Sole>63781</Sole>
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    <nameOfIssuer>VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>921943858</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>153290</Sole>
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    <nameOfIssuer>VANGUARD WHITEHALL HIGH DIV YLD - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>921946406</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>VANGUARD M SHORT TERM       INFT PROTECTED E</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>922020805</cusip>
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    <nameOfIssuer>VANGUARD M SHORT TERM       INFT PROTECTED E</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>922020805</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FGLB EX US ETF</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
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      <Sole>113</Sole>
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    <nameOfIssuer>VANGUARD INTL EQUITY INDEX  FD ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042775</cusip>
    <value>571</value>
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    <nameOfIssuer>VANGUARD INTL EQUITY        INDEX - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042858</cusip>
    <value>35</value>
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      <Sole>918</Sole>
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    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FFTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042874</cusip>
    <value>16900</value>
    <shrsOrPrnAmt>
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      <Sole>345029</Sole>
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    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FFTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042874</cusip>
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    <nameOfIssuer>VARIAN MED SYS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92220P105</cusip>
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    <nameOfIssuer>VECTREN CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92240G101</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>VEEVA SYS INC               CL A COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>922475108</cusip>
    <value>37</value>
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    <nameOfIssuer>VANGUARD INDEX FDS          S&amp;P 500 ETF SHS</nameOfIssuer>
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    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>922908553</cusip>
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    <cusip>922908595</cusip>
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    <cusip>922908611</cusip>
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    <cusip>922908629</cusip>
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    <cusip>922908744</cusip>
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    <cusip>922908751</cusip>
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    <cusip>92343V104</cusip>
    <value>4389</value>
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    <cusip>92345Y106</cusip>
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    <cusip>92826C839</cusip>
    <value>224</value>
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    <cusip>92826C839</cusip>
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    <cusip>92828Q109</cusip>
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    <cusip>92857W308</cusip>
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    <cusip>92936U109</cusip>
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    <cusip>931142103</cusip>
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    <votingAuthority>
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    <nameOfIssuer>WALGREENS BTS ALL</nameOfIssuer>
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    <cusip>931427108</cusip>
    <value>167</value>
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    <cusip>931427108</cusip>
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    <cusip>94106L109</cusip>
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    <cusip>942622200</cusip>
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    <shrsOrPrnAmt>
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    <cusip>942749102</cusip>
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    <cusip>949746101</cusip>
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    <cusip>955306105</cusip>
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    <cusip>962166104</cusip>
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    <cusip>97382A309</cusip>
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    <cusip>97650W108</cusip>
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    <cusip>97717W109</cusip>
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    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717X578</cusip>
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</SEC-DOCUMENT>
