<SEC-DOCUMENT>0001387131-21-001838.txt : 20210205
<SEC-HEADER>0001387131-21-001838.hdr.sgml : 20210205
<ACCEPTANCE-DATETIME>20210205165844
ACCESSION NUMBER:		0001387131-21-001838
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20201231
FILED AS OF DATE:		20210205
DATE AS OF CHANGE:		20210205
EFFECTIVENESS DATE:		20210205

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:		21596869

	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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      <periodOfReport>12-31-2020</periodOfReport>
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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>
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    <signatureBlock>
      <name>Lisa A. Shipos</name>
      <title>AVP &amp; TFA Operations Manager</title>
      <phone>607-273-0037</phone>
      <signature>/s/ Lisa A Shipos</signature>
      <city>ITHACA</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>02-05-2021</signatureDate>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC               SHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>544</Sole>
      <Shared>2400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                   SHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>G6095L109</cusip>
    <value>1453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                   SHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>G6095L109</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>387</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIELSEN HLDGS PLC           SHS EUR</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDGS SHS</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G66721104</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDGS SHS</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G66721104</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC          SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITIES</titleOfClass>
    <cusip>G6700G107</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                 SHS</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROTHENA CORP PLC           SHS</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>G72800108</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HOLDINGS LTD  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G7496G103</cusip>
    <value>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HOLDINGS LTD  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G7496G103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY PLC      SHS</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G7945M107</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY PLC      SHS</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G7945M107</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                  SHS USD</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>1097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                  SHS USD</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC      SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL PLC          LILAC SHS CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>G9001E102</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL PLC          LILAC SHS CL C</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>G9001E128</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>522</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS PLC</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>G9402V109</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS PLC</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>G9402V109</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD BERMUDA       SHS</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>G9456A100</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PUB LTDSHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>G96629103</cusip>
    <value>3</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>PERRIGO CO PLC              SHS</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>G97822103</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON INC                   ORD SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>H01301128</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON INC                   ORD SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>H01301128</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>518</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LTD</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3719</Sole>
      <Shared>255</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LTD</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>541</Sole>
      <Shared>600</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                  SHS</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>H2906T109</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD         REG SHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>H84989104</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD         REG SHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>H84989104</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>905</Sole>
      <Shared>60</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MILLICOM INTL CELLULAR S A  REG SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>L6388F110</cusip>
    <value>6</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>CHECK POINT SOFTWARE TECH LTORD</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>M22465104</cusip>
    <value>1862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LTORD</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>M22465104</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>300</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MELLANOX TECHNOLOGIES LTD   SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>M51363113</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>177</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V            N Y REGISTRY SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>N07059210</cusip>
    <value>1622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V            N Y REGISTRY SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>N07059210</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>44</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MYLAN NV                    SHS EURO</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>N59465109</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MYLAN NV                    SHS EURO</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>N59465109</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4881</sshPrnamt>
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    <votingAuthority>
      <Sole>4881</Sole>
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      <None>0</None>
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    <nameOfIssuer>NXP SEMICONDUCTORS N V      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>104</None>
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    <nameOfIssuer>QIAGEN NV                   SHS NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>N72482123</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>769</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROYAL CARIBBEAN CRUISES LTD COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>V7780T103</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>858</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FLEXTRONICS INTL LTD        ORD</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>Y2573F102</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AFLAC INC                   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>001055102</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AFLAC INC                   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>001055102</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>2798</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AES CORP                    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>00130H105</cusip>
    <value>2052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150859</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AES CORP                    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>00130H105</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3441</Sole>
      <Shared>1058</Shared>
      <None>0</None>
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    <nameOfIssuer>ALPS ETF TR                 ALERIAN MLP</nameOfIssuer>
    <titleOfClass>MLP'S</titleOfClass>
    <cusip>00162Q866</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPS ETF TR                 ALERIAN MLP</nameOfIssuer>
    <titleOfClass>MLP'S</titleOfClass>
    <cusip>00162Q866</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35000</Sole>
      <Shared>375</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AT&amp;T INC                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00206R102</cusip>
    <value>6707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>226379</Sole>
      <Shared>1404</Shared>
      <None>2399</None>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00206R102</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25574</Sole>
      <Shared>1291</Shared>
      <None>635</None>
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    <nameOfIssuer>ABBOTT LABS                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>002824100</cusip>
    <value>10186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>127851</Sole>
      <Shared>1038</Shared>
      <None>216</None>
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  <infoTable>
    <nameOfIssuer>ABBOTT LABS                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>002824100</cusip>
    <value>1135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11032</Sole>
      <Shared>2943</Shared>
      <None>408</None>
    </votingAuthority>
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    <nameOfIssuer>ABBVIE INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>4098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53052</Sole>
      <Shared>734</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBVIE INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5779</Sole>
      <Shared>2599</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00507V109</cusip>
    <value>2137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00507V109</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1039</Sole>
      <Shared>249</Shared>
      <None>121</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADOBE SYS INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00724F101</cusip>
    <value>3656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10799</Sole>
      <Shared>0</Shared>
      <None>690</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADOBE SYS INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00724F101</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>35</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCE AUTO PARTS INC      COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>00751Y106</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ADVANSIX INC                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>00773T101</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANSIX INC                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>00773T101</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>00846U101</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>861</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AGIOS PHARMACEUTICALS INC   COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>00847X104</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>009158106</cusip>
    <value>1183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5929</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>009158106</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC     COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>00971T101</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1059</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC     COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>00971T101</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>011659109</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>013872106</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>014491104</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ INCOM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>015271109</cusip>
    <value>730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ INCOM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>015271109</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD      SPONSORED ADS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>01609W102</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD      SPONSORED ADS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>01609W102</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>100</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>016255101</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLETE INC                  COM NEW</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>018522300</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALLIANT ENERGY CORP         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>018802108</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALLIANCEBERNSTEIN HOLDING LPUNIT LTD PARTN</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>01881G106</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALLISON TRANSMISSION HLDGS ICOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>01973R101</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALLSTATE CORP               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>020002101</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>783</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALLSTATE CORP               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>020002101</cusip>
    <value>404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>4399</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>02079K107</cusip>
    <value>21301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18108</Sole>
      <Shared>111</Shared>
      <None>100</None>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>02079K107</cusip>
    <value>2098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1468</Sole>
      <Shared>271</Shared>
      <None>65</None>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>02079K305</cusip>
    <value>7345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6183</Sole>
      <Shared>88</Shared>
      <None>50</None>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>02079K305</cusip>
    <value>1183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>833</Sole>
      <Shared>185</Shared>
      <None>0</None>
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    <nameOfIssuer>ALTERYX INC                 COM CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>02156B103</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3658</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALTERYX INC                 COM CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>02156B103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>02209S103</cusip>
    <value>2324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60108</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>02209S103</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>7150</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>023135106</cusip>
    <value>34873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17577</Sole>
      <Shared>139</Shared>
      <None>170</None>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>023135106</cusip>
    <value>4615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1945</Sole>
      <Shared>358</Shared>
      <None>64</None>
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  <infoTable>
    <nameOfIssuer>AMBEV SA                    SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>02319V103</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12379</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>AMBEV SA                    SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>02319V103</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMEREN CORP                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>023608102</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>117</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICA MOVIL SAB DE CV     SPON ADR L SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>02364W105</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>025537101</cusip>
    <value>1548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18899</Sole>
      <Shared>461</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>025537101</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1005</Sole>
      <Shared>108</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>025816109</cusip>
    <value>2434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28436</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>025816109</cusip>
    <value>579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3263</Sole>
      <Shared>3499</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT       CL A</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>02665T306</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC     COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>026874784</cusip>
    <value>966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39830</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC     COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>026874784</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1148</Sole>
      <Shared>225</Shared>
      <None>0</None>
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    <nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>03027X100</cusip>
    <value>6808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30932</Sole>
      <Shared>266</Shared>
      <None>69</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>03027X100</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1175</Sole>
      <Shared>158</Shared>
      <None>175</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>030420103</cusip>
    <value>5022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41389</Sole>
      <Shared>619</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>030420103</cusip>
    <value>820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6288</Sole>
      <Shared>83</Shared>
      <None>486</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERISOURCEBERGEN CORP      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>03073E105</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>503</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>03076C106</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>455</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>03076C106</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>25</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMETEK INC NEW              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>031100100</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC                   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>031162100</cusip>
    <value>1883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9287</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMGEN INC                   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>031162100</cusip>
    <value>696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2633</Sole>
      <Shared>800</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW           CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>032095101</cusip>
    <value>2058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28240</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW           CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>032095101</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>793</Sole>
      <Shared>203</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ANALOG DEVICES INC          COM</nameOfIssuer>
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      <sshPrnamt>1053</sshPrnamt>
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      <sshPrnamt>721</sshPrnamt>
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      <sshPrnamt>5187</sshPrnamt>
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    <cusip>03524A108</cusip>
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    <cusip>03524A108</cusip>
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      <sshPrnamt>20056</sshPrnamt>
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    <cusip>036752103</cusip>
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      <sshPrnamt>1768</sshPrnamt>
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      <sshPrnamt>1710</sshPrnamt>
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      <sshPrnamt>29</sshPrnamt>
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      <sshPrnamt>2000</sshPrnamt>
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    <cusip>03768E105</cusip>
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      <sshPrnamt>500</sshPrnamt>
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    <cusip>03783C100</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
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    <cusip>037833100</cusip>
    <value>51174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201245</sshPrnamt>
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      <Sole>197794</Sole>
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    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>037833100</cusip>
    <value>8312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32687</sshPrnamt>
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    <nameOfIssuer>APPLIED MATLS INC           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>038222105</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2897</sshPrnamt>
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      <Sole>2897</Sole>
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      <None>0</None>
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    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>03965L100</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>358</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARES CAPITAL CORP           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>04010L103</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3148</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3148</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARES CAPITAL CORP           COM</nameOfIssuer>
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    <cusip>04010L103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>ARISTA NETWORKS INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>040413106</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>833</Sole>
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      <None>0</None>
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    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>045327103</cusip>
    <value>616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>6482</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC        COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>045327103</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ASSURANT INC                COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>04621X108</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
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    <cusip>046353108</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7816</sshPrnamt>
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    <cusip>049560105</cusip>
    <value>931</value>
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      <sshPrnamt>9379</sshPrnamt>
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      <Sole>9379</Sole>
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    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>049560105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
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    <nameOfIssuer>AUTODESK INC                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>052769106</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1423</sshPrnamt>
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      <Sole>1423</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING INCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>053015103</cusip>
    <value>1753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12825</sshPrnamt>
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    <votingAuthority>
      <Sole>12500</Sole>
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  <infoTable>
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    <cusip>053015103</cusip>
    <value>627</value>
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      <sshPrnamt>4586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>4586</Sole>
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      <None>0</None>
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      <Sole>387</Sole>
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    <cusip>05350V106</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>62</Sole>
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      <None>0</None>
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    <cusip>05350V106</cusip>
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      <sshPrnamt>18</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>05379B107</cusip>
    <value>65</value>
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      <sshPrnamt>1523</sshPrnamt>
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      <Sole>1523</Sole>
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    <cusip>054540208</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
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    <cusip>05508R106</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467</sshPrnamt>
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    <votingAuthority>
      <Sole>467</Sole>
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      <None>0</None>
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    <cusip>05534B760</cusip>
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      <sshPrnamt>14625</sshPrnamt>
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    <cusip>05534B760</cusip>
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      <sshPrnamt>1000</sshPrnamt>
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    <cusip>05541T101</cusip>
    <value>2</value>
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      <sshPrnamt>820</sshPrnamt>
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      <Sole>820</Sole>
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    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>055622104</cusip>
    <value>597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24496</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24496</Sole>
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      <sshPrnamt>1086</sshPrnamt>
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    <cusip>056752108</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>BAKER HUGHES COMPANY        CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>05722G100</cusip>
    <value>742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70678</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY        CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>05722G100</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1432</Sole>
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      <None>0</None>
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    <nameOfIssuer>BALL CORP</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>058498106</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORPORATION COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>060505104</cusip>
    <value>1115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51202</Sole>
      <Shared>1352</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORPORATION COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>060505104</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10553</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK OF HAWAII CORP</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>062540109</cusip>
    <value>457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8269</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK OF HAWAII CORP</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>062540109</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1915</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>064058100</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9822</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OZK                    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>06417N103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>229</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DJ AIG-COMMODITY            INDEX ETF</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>06738C778</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>990</Sole>
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      <None>0</None>
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    <nameOfIssuer>BARCLAYS PLC                ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>06738E204</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21298</Sole>
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      <None>0</None>
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    <nameOfIssuer>BARCLAYS BK PLC             ETN SEL MLP</nameOfIssuer>
    <titleOfClass>MLP'S</titleOfClass>
    <cusip>06742C723</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35484</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BARCLAYS BK PLC             ETN SEL MLP</nameOfIssuer>
    <titleOfClass>MLP'S</titleOfClass>
    <cusip>06742C723</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>10024</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>071813109</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>755</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>071813109</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>075887109</cusip>
    <value>1197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5210</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BED BATH &amp; BEYOND INC       COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>075896100</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>890</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP            COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>084423102</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>084670108</cusip>
    <value>1632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>084670108</cusip>
    <value>6256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>23</Sole>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>084670702</cusip>
    <value>12428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66948</Sole>
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      <None>604</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>084670702</cusip>
    <value>1675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3356</Sole>
      <Shared>5611</Shared>
      <None>194</None>
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  <infoTable>
    <nameOfIssuer>BEST BUY INC                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>086516101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>283</Sole>
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      <None>0</None>
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    <nameOfIssuer>BHP BILLITON LTD            SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>088606108</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7448</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7448</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BHP BILLITON LTD            SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>088606108</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>334</Sole>
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      <None>0</None>
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    <nameOfIssuer>BEYOND MEAT INC             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>08862E109</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>432</Sole>
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      <None>0</None>
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    <nameOfIssuer>BIO RAD LABS INC            CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>090572207</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
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      <None>0</None>
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    <nameOfIssuer>BIOGEN IDEC INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>09062X103</cusip>
    <value>573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1685</Sole>
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      <None>125</None>
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  <infoTable>
    <nameOfIssuer>BIOGEN IDEC INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>09062X103</cusip>
    <value>2486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>7858</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BIO TECHNE CORP             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>09073M104</cusip>
    <value>47</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>
    <nameOfIssuer>BLACKBAUD INC               COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>09227Q100</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
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      <None>0</None>
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    <nameOfIssuer>RESEARCH IN MOTION LIMITED</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>09228F103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1160</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>09247X101</cusip>
    <value>3713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8373</Sole>
      <Shared>66</Shared>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>09247X101</cusip>
    <value>600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1285</Sole>
      <Shared>32</Shared>
      <None>47</None>
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  <infoTable>
    <nameOfIssuer>BLACKROCK ENH CAP &amp; INC FD ICOM</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>09256A109</cusip>
    <value>453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33661</Sole>
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      <None>1250</None>
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  <infoTable>
    <nameOfIssuer>BLACKROCK ENH CAP &amp; INC FD ICOM</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>09256A109</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>266</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKSTONE GROUP INC        COM CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>09260D107</cusip>
    <value>2355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51685</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKSTONE GROUP INC        COM CL A</nameOfIssuer>
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    <cusip>09260D107</cusip>
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    <votingAuthority>
      <Sole>4558</Sole>
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    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
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    <cusip>097023105</cusip>
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      <sshPrnamt>46362</sshPrnamt>
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    <votingAuthority>
      <Sole>45802</Sole>
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      <None>360</None>
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    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
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    <cusip>097023105</cusip>
    <value>881</value>
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      <sshPrnamt>5906</sshPrnamt>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
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    <cusip>09857L108</cusip>
    <value>81</value>
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      <sshPrnamt>60</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
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    <cusip>09857L108</cusip>
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      <sshPrnamt>55</sshPrnamt>
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    <nameOfIssuer>BOOT BARN HLDGS INC         COM</nameOfIssuer>
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    <cusip>099406100</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20402</sshPrnamt>
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    <cusip>099406100</cusip>
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      <sshPrnamt>269</sshPrnamt>
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    <nameOfIssuer>BOSTON PROPERTIES INC       COM</nameOfIssuer>
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    <cusip>101121101</cusip>
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      <Sole>308</Sole>
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    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
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    <cusip>101137107</cusip>
    <value>135</value>
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      <sshPrnamt>4126</sshPrnamt>
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    <nameOfIssuer>BOX INC                     CL A</nameOfIssuer>
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    <cusip>10316T104</cusip>
    <value>22</value>
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      <sshPrnamt>1533</sshPrnamt>
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      <Sole>1533</Sole>
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    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN DCOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>109194100</cusip>
    <value>961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9424</sshPrnamt>
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      <Sole>9424</Sole>
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      <None>0</None>
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    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN DCOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>109194100</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>124</Sole>
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    <nameOfIssuer>BRIGHTHOUSE FINL INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>10922N103</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
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      <Sole>680</Sole>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>10922N103</cusip>
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      <sshPrnamt>11</sshPrnamt>
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      <Sole>11</Sole>
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  <infoTable>
    <nameOfIssuer>BRINKER INTL INC            COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>109641100</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>110122108</cusip>
    <value>5258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94328</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91128</Sole>
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      <None>3000</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>110122108</cusip>
    <value>1641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29438</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18461</Sole>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO     RIGHT 99/99/9999</nameOfIssuer>
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    <cusip>110122157</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24404</sshPrnamt>
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    <votingAuthority>
      <Sole>24204</Sole>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO     RIGHT 99/99/9999</nameOfIssuer>
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    <cusip>110122157</cusip>
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      <sshPrnamt>3303</sshPrnamt>
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      <Sole>2898</Sole>
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    <nameOfIssuer>BRITISH AMERN TOB PLC       SPONSORED ADR</nameOfIssuer>
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    <cusip>110448107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2317</sshPrnamt>
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    <votingAuthority>
      <Sole>2317</Sole>
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  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC       SPONSORED ADR</nameOfIssuer>
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    <cusip>110448107</cusip>
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      <sshPrnamt>198</sshPrnamt>
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      <Sole>0</Sole>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS INCOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>11133T103</cusip>
    <value>29</value>
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      <sshPrnamt>304</sshPrnamt>
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      <Sole>304</Sole>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>11135F101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10872</sshPrnamt>
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    <votingAuthority>
      <Sole>10872</Sole>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>11135F101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
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      <Sole>145</Sole>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT INC   CL A LTD VT SH</nameOfIssuer>
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    <cusip>112585104</cusip>
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      <Sole>7200</Sole>
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    <nameOfIssuer>BROWN &amp; BROWN INC           COM</nameOfIssuer>
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    <cusip>115236101</cusip>
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      <sshPrnamt>9502</sshPrnamt>
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    <nameOfIssuer>BROWN &amp; BROWN INC           COM</nameOfIssuer>
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    <cusip>115236101</cusip>
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      <sshPrnamt>138</sshPrnamt>
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      <Sole>138</Sole>
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    <nameOfIssuer>BROWN FORMAN CORP           CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>115637100</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROWN FORMAN CORP           CL B</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>115637209</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
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      <Sole>375</Sole>
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    <nameOfIssuer>CBRE GROUP INC              CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>12504L109</cusip>
    <value>4</value>
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      <sshPrnamt>107</sshPrnamt>
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    <nameOfIssuer>CBRE GROUP INC              CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>12504L109</cusip>
    <value>57</value>
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      <sshPrnamt>1502</sshPrnamt>
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      <Sole>1502</Sole>
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    <nameOfIssuer>CDK GLOBAL INC              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>12508E101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>387</sshPrnamt>
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      <Sole>387</Sole>
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      <None>0</None>
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    <nameOfIssuer>CDW CORP                    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>12514G108</cusip>
    <value>14</value>
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      <sshPrnamt>146</sshPrnamt>
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      <Sole>146</Sole>
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      <None>0</None>
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    <nameOfIssuer>CF INDS HLDGS INC           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>125269100</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>785</Sole>
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      <None>0</None>
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    <nameOfIssuer>C H ROBINSON WORLDWIDE INC  COM NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>12541W209</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>455</Sole>
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      <None>0</None>
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    <nameOfIssuer>CIGNA CORP NEW              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>125523100</cusip>
    <value>790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4459</sshPrnamt>
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      <Sole>4459</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CIGNA CORP NEW              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>125523100</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>570</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CIT GROUP INC               COM NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>125581801</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>496</sshPrnamt>
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    <votingAuthority>
      <Sole>496</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1519</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>25</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>126408103</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CTS CORP                    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>126501105</cusip>
    <value>12</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>CVS CORP                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>126650100</cusip>
    <value>2716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44419</Sole>
      <Shared>1269</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS CORP                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>126650100</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5565</Sole>
      <Shared>275</Shared>
      <None>438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEMS INC</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>127387108</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4462</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMECO CORP                 COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>13321L108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>134429109</cusip>
    <value>115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO         COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>136375102</cusip>
    <value>736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NAT RES LTD        COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>136385101</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>14040H105</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>143130102</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>143658300</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARS COM INC                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>14575E105</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>149123101</cusip>
    <value>3437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27746</Sole>
      <Shared>875</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>149123101</cusip>
    <value>188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>150870103</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>859</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>150870103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL            COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>15135B101</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENOVUS ENERGY INC          COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>15135U109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENNIAL RESOURCE DEV INC CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>15136A102</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>15189T107</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>15189T107</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTURYLINK INC             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>156700106</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERNER CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>156782104</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERNER CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>156782104</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>218</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC NCL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>16119P108</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEESECAKE FACTORY INC      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>163072101</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>16359R103</cusip>
    <value>433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>163851108</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>656</Sole>
      <Shared>96</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>163851108</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>2640</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC         COM NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>16411R208</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>166764100</cusip>
    <value>8141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>110005</Sole>
      <Shared>1309</Shared>
      <None>1055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>166764100</cusip>
    <value>1112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12474</Sole>
      <Shared>2595</Shared>
      <None>281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHINA MOBILE LIMITED        SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>16941M109</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHINA PETE &amp; CHEM CORP      SPON ADR H SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>16941R108</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHINA TELECOM CORP LTD      SPON ADR H SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>169426103</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHINA UNICOM (HONG KONG) LTDSPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>16945R104</cusip>
    <value>5</value>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC  COM</nameOfIssuer>
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    <cusip>169656105</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>CHUNGHWA TELECOM CO LTD     SPON ADR NEW11</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>17133Q502</cusip>
    <value>364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10227</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>CHURCH &amp; DWIGHT INC         COM</nameOfIssuer>
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    <cusip>171340102</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>CHURCHILL DOWNS INC         COM</nameOfIssuer>
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    <cusip>171484108</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
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    <nameOfIssuer>CIENA CORP                  COM NEW</nameOfIssuer>
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    <cusip>171779309</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2027</sshPrnamt>
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      <Sole>2027</Sole>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>17275R102</cusip>
    <value>7884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200558</sshPrnamt>
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      <Sole>198758</Sole>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
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    <cusip>17275R102</cusip>
    <value>2003</value>
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      <sshPrnamt>50954</sshPrnamt>
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    <nameOfIssuer>CINTAS CORP                 COM</nameOfIssuer>
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    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
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    <nameOfIssuer>CITIGROUP INC               COM NEW</nameOfIssuer>
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    <cusip>172967424</cusip>
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      <sshPrnamt>93363</sshPrnamt>
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    <nameOfIssuer>CITIGROUP INC               COM NEW</nameOfIssuer>
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    <value>316</value>
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      <sshPrnamt>7496</sshPrnamt>
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    <nameOfIssuer>CITIZENS FINL GROUP INC     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>174610105</cusip>
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      <sshPrnamt>8</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>CITRIX SYS INC              COM</nameOfIssuer>
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    <cusip>177376100</cusip>
    <value>80</value>
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      <sshPrnamt>564</sshPrnamt>
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    <nameOfIssuer>CITRIX SYS INC              COM</nameOfIssuer>
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    <cusip>177376100</cusip>
    <value>234</value>
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      <sshPrnamt>1650</sshPrnamt>
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    <nameOfIssuer>CLEAN HARBORS INC           COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>184496107</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
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      <Sole>20</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CLOROX CO DEL               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>189054109</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>172</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>191216100</cusip>
    <value>3560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80456</sshPrnamt>
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    <votingAuthority>
      <Sole>77722</Sole>
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      <None>1600</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>191216100</cusip>
    <value>557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12595</sshPrnamt>
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    <votingAuthority>
      <Sole>8545</Sole>
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  <infoTable>
    <nameOfIssuer>COGNEX CORP                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>192422103</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIOCL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>192446102</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4802</sshPrnamt>
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    <votingAuthority>
      <Sole>4299</Sole>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIOCL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>192446102</cusip>
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      <sshPrnamt>2504</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>COHERENT INC                COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>192479103</cusip>
    <value>49</value>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>194162103</cusip>
    <value>1643</value>
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      <sshPrnamt>24759</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO        COM</nameOfIssuer>
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    <cusip>194162103</cusip>
    <value>333</value>
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      <sshPrnamt>5018</sshPrnamt>
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    <nameOfIssuer>COLUMBIA ETF TR II          EMRG MARKETS ETF</nameOfIssuer>
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    <cusip>19762B509</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
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    <nameOfIssuer>COMCAST CORP</nameOfIssuer>
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    <cusip>20030N101</cusip>
    <value>4105</value>
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      <sshPrnamt>119397</sshPrnamt>
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    <nameOfIssuer>COMERICA INC                COM</nameOfIssuer>
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    <cusip>200340107</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>706</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>COMMVAULT SYSTEMS INC       COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>204166102</cusip>
    <value>16</value>
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      <sshPrnamt>400</sshPrnamt>
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      <Sole>400</Sole>
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    <nameOfIssuer>CEMIG SA-SPONS ADR          SP ADR N-V PFD</nameOfIssuer>
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    <cusip>204409601</cusip>
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      <sshPrnamt>1318</sshPrnamt>
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      <Sole>1318</Sole>
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    <nameOfIssuer>CONAGRA FOODS INC           COM</nameOfIssuer>
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    <cusip>205887102</cusip>
    <value>84</value>
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      <sshPrnamt>2846</sshPrnamt>
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      <Sole>2846</Sole>
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    <nameOfIssuer>CONCHO RES INC              COM</nameOfIssuer>
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    <cusip>20605P101</cusip>
    <value>1066</value>
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      <sshPrnamt>24886</sshPrnamt>
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      <Sole>24886</Sole>
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    <nameOfIssuer>CONCHO RES INC              COM</nameOfIssuer>
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    <cusip>20605P101</cusip>
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      <sshPrnamt>670</sshPrnamt>
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      <Sole>482</Sole>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>20825C104</cusip>
    <value>235</value>
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      <sshPrnamt>7644</sshPrnamt>
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      <Sole>7394</Sole>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>20825C104</cusip>
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      <sshPrnamt>1080</sshPrnamt>
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      <Sole>1080</Sole>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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    <cusip>209115104</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3310</sshPrnamt>
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      <Sole>3310</Sole>
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    <nameOfIssuer>CONSTELLATION BRANDS INC    CL A</nameOfIssuer>
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    <cusip>21036P108</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
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      <Sole>148</Sole>
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    <nameOfIssuer>CONTINENTAL RES INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>212015101</cusip>
    <value>57</value>
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      <sshPrnamt>7412</sshPrnamt>
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      <Sole>7412</Sole>
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  <infoTable>
    <nameOfIssuer>CONTINENTAL RES INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>212015101</cusip>
    <value>3</value>
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      <sshPrnamt>359</sshPrnamt>
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      <sshPrnamt>24290</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>324</sshPrnamt>
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    <nameOfIssuer>CORESITE RLTY CORP          COM</nameOfIssuer>
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      <sshPrnamt>10857</sshPrnamt>
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    <votingAuthority>
      <Sole>10857</Sole>
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      <sshPrnamt>700</sshPrnamt>
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      <sshPrnamt>15497</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>9902</sshPrnamt>
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      <sshPrnamt>1517</sshPrnamt>
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      <sshPrnamt>54</sshPrnamt>
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    <nameOfIssuer>COTY INC                    COM CL A</nameOfIssuer>
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      <sshPrnamt>66</sshPrnamt>
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      <sshPrnamt>295</sshPrnamt>
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    <nameOfIssuer>COVETRUS INC                COM</nameOfIssuer>
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    <cusip>22304C100</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
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    <votingAuthority>
      <Sole>148</Sole>
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      <None>0</None>
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    <cusip>224399105</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1841</sshPrnamt>
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    <votingAuthority>
      <Sole>1841</Sole>
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      <sshPrnamt>745</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>745</Sole>
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    <nameOfIssuer>CULLEN FROST BANKERS INC    COM</nameOfIssuer>
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    <cusip>229899109</cusip>
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      <sshPrnamt>88</sshPrnamt>
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      <Sole>88</Sole>
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      <None>0</None>
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    <nameOfIssuer>CUMMINS INC                 COM</nameOfIssuer>
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    <cusip>231021106</cusip>
    <value>76</value>
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      <sshPrnamt>559</sshPrnamt>
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      <Sole>559</Sole>
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      <None>0</None>
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    <nameOfIssuer>CURTISS WRIGHT CORP         COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>231561101</cusip>
    <value>561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>6068</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP         COM</nameOfIssuer>
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    <cusip>231561101</cusip>
    <value>7</value>
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      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>CYPRESS SEMICONDUCTOR CORP  COM</nameOfIssuer>
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    <cusip>232806109</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
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      <Sole>574</Sole>
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  <infoTable>
    <nameOfIssuer>D R HORTON INC              COM</nameOfIssuer>
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    <cusip>23331A109</cusip>
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      <sshPrnamt>3</sshPrnamt>
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    <nameOfIssuer>DXC TECHNOLOGY CO           COM</nameOfIssuer>
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    <cusip>23355L106</cusip>
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      <sshPrnamt>1818</sshPrnamt>
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      <Sole>1218</Sole>
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    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
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    <cusip>235851102</cusip>
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      <sshPrnamt>35841</sshPrnamt>
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      <Sole>31341</Sole>
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    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
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      <sshPrnamt>4474</sshPrnamt>
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    <nameOfIssuer>DARDEN RESTAURANTS INC      COM</nameOfIssuer>
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    <cusip>237194105</cusip>
    <value>54</value>
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    <cusip>238337109</cusip>
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      <sshPrnamt>34</sshPrnamt>
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    <nameOfIssuer>DAVITA HEALTHCARE PARTNERS, COM</nameOfIssuer>
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    <cusip>23918K108</cusip>
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      <sshPrnamt>2100</sshPrnamt>
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      <Sole>2100</Sole>
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      <sshPrnamt>9262</sshPrnamt>
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      <Sole>8837</Sole>
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    <cusip>24665A103</cusip>
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      <sshPrnamt>13590</sshPrnamt>
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    <votingAuthority>
      <Sole>13590</Sole>
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    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>24665A103</cusip>
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      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>175</Sole>
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    <cusip>24703L202</cusip>
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      <sshPrnamt>2283</sshPrnamt>
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    <votingAuthority>
      <Sole>2283</Sole>
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  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC       CL C</nameOfIssuer>
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    <cusip>24703L202</cusip>
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      <sshPrnamt>944</sshPrnamt>
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      <Sole>477</Sole>
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    <nameOfIssuer>DELTA AIR LINES INC DEL     COM NEW</nameOfIssuer>
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    <cusip>247361702</cusip>
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      <sshPrnamt>307</sshPrnamt>
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    <nameOfIssuer>DENTSPLY SIRONA INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>24906P109</cusip>
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      <sshPrnamt>300</sshPrnamt>
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      <Sole>300</Sole>
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    <nameOfIssuer>DESCARTES SYS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>249906108</cusip>
    <value>54</value>
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      <sshPrnamt>1585</sshPrnamt>
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      <Sole>1585</Sole>
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    <nameOfIssuer>DEVON ENERGY CORP NEW       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>25179M103</cusip>
    <value>17</value>
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      <sshPrnamt>2453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>2453</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIAGEO P L C                SPON ADR NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>2062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16219</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO P L C                SPON ADR NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1243</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>25278X109</cusip>
    <value>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6284</sshPrnamt>
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    <votingAuthority>
      <Sole>6284</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIAMONDBACK ENERGY INC      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>25278X109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>83</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIGITAL RLTY TR INC         COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>253868103</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO              COM DISNEY</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>254687106</cusip>
    <value>13121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>133577</Sole>
      <Shared>952</Shared>
      <None>1300</None>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO              COM DISNEY</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>254687106</cusip>
    <value>1348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10895</Sole>
      <Shared>3064</Shared>
      <None>0</None>
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    <nameOfIssuer>DISCOVERY COMMUNICATNS NEW  COM SER A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>25470F104</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>247</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DISCOVERY COMMUNICATNS NEW  COM SER C</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>25470F302</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4565</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION    CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>25470M109</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1395</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>254709108</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>256163106</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2605</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>256677105</cusip>
    <value>752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>256746108</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>25746U109</cusip>
    <value>770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10668</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>25746U109</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>4497</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>25754A201</cusip>
    <value>1537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4743</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>25754A201</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DONALDSON INC               COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>257651109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DONALDSON INC               COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>257651109</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2380</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS COM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>258622109</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8047</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS COM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>258622109</cusip>
    <value>193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>14467</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>260003108</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOW INC                     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>260557103</cusip>
    <value>545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18316</Sole>
      <Shared>316</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>260557103</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3971</Sole>
      <Shared>5635</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW        COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>26441C204</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2769</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW        COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>26441C204</cusip>
    <value>135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1666</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>26614N102</cusip>
    <value>516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14814</Sole>
      <Shared>316</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>26614N102</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3971</Sole>
      <Shared>5635</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMX RTY CORP                COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>26873J107</cusip>
    <value>14</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>
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  <infoTable>
    <nameOfIssuer>EOG RES INC                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>26875P101</cusip>
    <value>1030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28673</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>26875P101</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>625</Sole>
      <Shared>3244</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EQT CORPORATION             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>26884L109</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2216</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EPR PPTYS                   COM SH BEN INT</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>26884U109</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>E TRADE FINANCIAL CORP      COM NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>269246401</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATERIALS INC</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>26969P108</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATERIALS INC</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>26969P108</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST-WEST BANCORP INC</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>27579R104</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST-WEST BANCORP INC</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>27579R104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE CA MUNI INCOME TSH BEN INT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>27826F101</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE MUNI INCOME TRUSSH BEN INT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>27826U108</cusip>
    <value>709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>59146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE ENH EQTY INC FD COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>278277108</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>278642103</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3073</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECHOSTAR CORP               CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>278768106</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>278865100</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>562</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>278865100</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2049</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>1999</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDGEWELL PERS CARE CO       COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>28035Q102</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>281020107</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>28176E108</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>285512109</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMBRAER S A                 SP ADR REP 4 COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>29082A107</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>291011104</cusip>
    <value>1077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>291011104</cusip>
    <value>1435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2113</Sole>
      <Shared>27998</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC                COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>29250N105</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC                COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>29250N105</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW     COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>29272W109</cusip>
    <value>24</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>ENLINK MIDSTREAM LLC        COM UNIT REP LTD</nameOfIssuer>
    <titleOfClass>MLP'S</titleOfClass>
    <cusip>29336T100</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW            COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>29364G103</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L COM</nameOfIssuer>
    <titleOfClass>MLP'S</titleOfClass>
    <cusip>293792107</cusip>
    <value>192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>294429105</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                 COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>29444U700</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITRANS MIDSTREAM CORP    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>294600101</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL          SH BEN INT</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>29476L107</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ERICSSON                    ADR B SEK 10</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>294821608</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>29670G102</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>29670G102</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERI HLDGS INC             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>30034T103</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>30034W106</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>30040W108</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>30161N101</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA INC DEL             COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>30212P303</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTERNATIONAL OF WASHINGTON</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>302130109</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>743</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPONENT INC                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>30214U102</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>30231G102</cusip>
    <value>4610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118822</Sole>
      <Shared>942</Shared>
      <None>1650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12896</Sole>
      <Shared>30183</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLIR SYS INC                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>302445101</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F M C CORP                  COM NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>302491303</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK INC                CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>30303M102</cusip>
    <value>6637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK INC                CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>30303M102</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>869</Sole>
      <Shared>366</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>303075105</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1427</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>303075105</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>311900104</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>31428X106</cusip>
    <value>164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F5 NETWORKS INC             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>315616102</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SVCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>31620M106</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL FNF GROUP COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>31620R303</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>316773100</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>884</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON NATIONAL CORP</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>320517105</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>538</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST REP BK SAN FRANCISCO CCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>33616C100</cusip>
    <value>902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST REP BK SAN FRANCISCO CCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>33616C100</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD WTR ETF</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>33733B100</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>33733E302</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR VALUE LINE DIVID INSHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>33734H106</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD INDLS PROD DUR</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>33734X150</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD UTILITIES ALPH</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>33734X184</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD ISE CLOUD COMP</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>33734X192</cusip>
    <value>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD ISE CLOUD COMP</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>33734X192</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1000</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR NASDAQ-100 TECH INDSHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>337345102</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>337738108</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2751</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP            COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>337932107</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1649</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>339041105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>339041105</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>150</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLUOR CORP NEW              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>343412102</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWSERVE CORP              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>34354P105</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOMENTO ECONOMICO MEXICANO SSPON ADR UNITS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>344419106</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR COMPANY</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>345370860</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR COMPANY</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>345370860</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>34959E109</cusip>
    <value>879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8135</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>34959J108</cusip>
    <value>4465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>78564</Sole>
      <Shared>0</Shared>
      <None>2349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>34959J108</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3138</Sole>
      <Shared>379</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTRESS TRANS INFRST INVS LCOM REP LTD LIAB</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>34960P101</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30387</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC INCOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>34964C106</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP                    CL A COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>35137L105</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX FACTORY HLDG CORP       COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>35138V102</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX FACTORY HLDG CORP       COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>35138V102</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN ELEC INC           COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>353514102</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN RES INC            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>354613101</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN COPPER &amp; GOCL B</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>35671D857</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FULLER H B CO               COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>359694106</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GATX CORP                   COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>361448103</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GCI LIBERTY INC             COM CLASS A</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>36164V305</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GABELLI DIVD &amp; INCOME TR    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>36242H104</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>363576109</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>363576109</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC  COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>36467J108</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAP INC DEL                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>364760108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARRETT MOTION INC          COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>366505105</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARRETT MOTION INC          COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>366505105</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>28</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARTNER INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>366651107</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>369550108</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>369604103</cusip>
    <value>5866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>738796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>732881</Sole>
      <Shared>854</Shared>
      <None>5061</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>369604103</cusip>
    <value>639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>80282</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>370334104</cusip>
    <value>1261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21492</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>37045V100</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>37045V100</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>150</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>371901109</cusip>
    <value>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>371901109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>372460105</cusip>
    <value>451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6701</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>372460105</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>375558103</cusip>
    <value>6889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90899</Sole>
      <Shared>1254</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>375558103</cusip>
    <value>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1542</Sole>
      <Shared>848</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLAXOSMITHKLINE PLC         SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>37733W105</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>37940X102</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS                SOCIAL MED ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>37950E416</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>38141G104</cusip>
    <value>3020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19228</Sole>
      <Shared>310</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>38141G104</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>358</Sole>
      <Shared>564</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR        ACTIVEBETA EME</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>381430206</cusip>
    <value>571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>384109104</cusip>
    <value>1279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>384109104</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC            COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>384802104</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO   COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>388689101</cusip>
    <value>633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51903</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO   COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>388689101</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GREEN DOT CORP</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>39304D102</cusip>
    <value>884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRIFOLS S A                 SP ADR REP B NVT</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>398438408</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUGGENHEIM TAXABLE MUN MNGD COM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>401664107</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>40171V100</cusip>
    <value>708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>40171V100</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>40412C101</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HDFC BANK LTD               SPONSORED ADS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>40415F101</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HNI CORP                    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>404251100</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>189</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSBC HLDGS PLC              SPON ADR NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>404280406</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1081</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HP INC                      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>40434L105</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8512</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HP INC                      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>40434L105</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>406216101</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>406216101</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>477</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HAMILTON BEACH BRANDS HLDG CCOM CL A</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>40701T104</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HANESBRANDS INC             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>410345102</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INCCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>416515104</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HASBRO INC                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>418056107</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEALTHCARE TR AMER INC      CL A NEW</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>42225P501</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>42250P103</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC      COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>426281101</cusip>
    <value>1925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC      COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>426281101</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>427866108</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>427866108</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>42809H107</cusip>
    <value>1452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43608</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>42809H107</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1012</Sole>
      <Shared>551</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE CCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>42824C109</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7282</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE CCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>42824C109</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEXCEL CORP NEW             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>428291108</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>620</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HILL ROM HLDGS INC          COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>431475102</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLENBRAND INC             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>431571108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>43300A203</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLYFRONTIER CORP          COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>436106108</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>436440101</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>982</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>437076102</cusip>
    <value>5441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28690</Sole>
      <Shared>450</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>437076102</cusip>
    <value>1144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4520</Sole>
      <Shared>1605</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONDA MOTOR LTD             AMERN SHS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>438128308</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>438516106</cusip>
    <value>9860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73499</Sole>
      <Shared>200</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>438516106</cusip>
    <value>454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2560</Sole>
      <Shared>544</Shared>
      <None>288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>440452100</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>443510607</cusip>
    <value>189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1646</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON GLOBAL INC           COM NEW</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>443787205</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>444859102</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>446150104</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>446413106</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP               COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>447011107</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUTCHISON CHINA MEDITECH LTDSPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>44842L103</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INTERACTIVECORP         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>44919P508</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAA INC                     COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>449253103</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                 COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>44930G107</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                     COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>45073V108</cusip>
    <value>23</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>ICICI BANK LIMITED          ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>45104G104</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>45167R104</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>45168D104</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>452308109</cusip>
    <value>2111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14530</Sole>
      <Shared>327</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>452308109</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>542</Sole>
      <Shared>150</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>452327109</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>45337C102</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INFOSYS LTD                 SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>456788108</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC          COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>45687V106</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNOSPEC INC                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>45768S105</cusip>
    <value>10</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>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>458140100</cusip>
    <value>10487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>188367</Sole>
      <Shared>950</Shared>
      <None>4500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>458140100</cusip>
    <value>3605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39293</Sole>
      <Shared>27324</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL HOTELS GROUSPONSORED ADS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>45857P806</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE INCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>45866F104</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>459200101</cusip>
    <value>4670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41272</Sole>
      <Shared>425</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>459200101</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRACOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>459506101</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL PAPER CO               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>460146103</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>460690100</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO VARIABLE RATE INVEST</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>46090A879</cusip>
    <value>94</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR              SER 1</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46090E103</cusip>
    <value>15047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77976</Sole>
      <Shared>400</Shared>
      <None>650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR              SER 1</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46090E103</cusip>
    <value>1348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3750</Sole>
      <Shared>3330</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC      COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46120E602</cusip>
    <value>849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC      COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46120E602</cusip>
    <value>597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>461202103</cusip>
    <value>673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>461202103</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO WATER RESOURCES ETF</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>46137V142</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD TBUYBACK ACHIEV</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46137V308</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO CLEANTECH ETF</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>46137V407</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD TDYNMC PHRMCTLS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46137V662</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD TDYNMC LRG VALU</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46137V738</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ZACKS MULTI-ASSET IN</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>46137Y500</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE-TRADED FD TS&amp;P GBL WATER</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46138E263</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE-TRADED FD TS&amp;P GBL WATER</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46138E263</cusip>
    <value>13</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>INVESCO EXCHANGE-TRADED FD TS&amp;P500 LOW VOL</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46138E354</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO GLOBAL WATER ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46138E651</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE-TRADED FD TSOLAR ETF</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>46138G706</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO TAXABLE MUNICIPAL BD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>46138G805</cusip>
    <value>631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19616</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO VARIABLE RATE PFD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>46138G870</cusip>
    <value>1044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO VARIABLE RATE PFD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>46138G870</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8001</Sole>
      <Shared>1432</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>46138J502</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>46138J700</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESTORS TITLE CO          COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>461804106</cusip>
    <value>517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>46187W107</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>46266C105</cusip>
    <value>1927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>46266C105</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>109</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC NEW            COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>46284V101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST        ISHARES</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES COMEX GOLD TR       ISHARES</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>464285105</cusip>
    <value>1778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>117709</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES COMEX GOLD TR       ISHARES</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>464285105</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>600</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MSCI AUSTRALIA</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464286103</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2050</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MSCI FRNTR100ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464286145</cusip>
    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     EM MKTS DIV ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464286319</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 MSCI BRAZIL</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464286400</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MSCI CANADA</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464286509</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>2050</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MIN VOL GBL ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464286525</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MIN VOL GBL ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464286525</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>320</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MIN VOL EMRG MKT</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464286533</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MIN VOL EMRG MKT</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464286533</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>350</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 MSCI BRIC INDX</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464286657</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 MSCI PAC J IDX</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464286665</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  S&amp;P 100 ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287101</cusip>
    <value>2129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     DJ SELECT DIVD INDEX</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287168</cusip>
    <value>838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     DJ SELECT DIVD INDEX</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287168</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  US TIPS BD FD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464287176</cusip>
    <value>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  US TIPS BD FD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464287176</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR S&amp;P FTSE CHINA25</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464287184</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P 500 INDEX</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287200</cusip>
    <value>22312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>86224</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P 500 INDEX</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287200</cusip>
    <value>1064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3210</Sole>
      <Shared>907</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR LEHMAN AGGREGATE BONDS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464287226</cusip>
    <value>1066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR LEHMAN AGGREGATE BONDS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464287226</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2745</Sole>
      <Shared>1879</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MSCI EMERGING MKTS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464287234</cusip>
    <value>5878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>164114</Sole>
      <Shared>8125</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MSCI EMERGING MKTS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464287234</cusip>
    <value>529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5338</Sole>
      <Shared>9720</Shared>
      <None>433</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INVEST.GRADE        CORP BONDS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464287242</cusip>
    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  GLOBAL ENERG ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287341</cusip>
    <value>3</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>ISHARES N.AMER.NAT          RESOURCES EQ</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287374</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR LATIN AMERICA</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>464287390</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P 500/BARRA VALUE</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287408</cusip>
    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2566</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  1-3 YR TRS BD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464287457</cusip>
    <value>145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1672</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>I SHARES MSCI EAFE IDEX FUND</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464287465</cusip>
    <value>6250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>112325</Sole>
      <Shared>4605</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>I SHARES MSCI EAFE IDEX FUND</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464287465</cusip>
    <value>452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2442</Sole>
      <Shared>5783</Shared>
      <None>237</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL MIDCAP VALUE</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287473</cusip>
    <value>1299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20263</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL MIDCAP VALUE</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287473</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2636</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSEL MIDCAP GROWTH</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287481</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2053</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSEL MIDCAP GROWTH</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287481</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL MIDCAP INDEX</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287499</cusip>
    <value>7651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>177271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL MIDCAP INDEX</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287499</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P MIDCAP 400 INDEX</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287507</cusip>
    <value>17625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>122015</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P MIDCAP 400 INDEX</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287507</cusip>
    <value>1284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7581</Sole>
      <Shared>1346</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARE BIOTECH</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287556</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2205</Sole>
      <Shared>150</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR S&amp;P GLBL 100</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287572</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES US CONSUMER</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287580</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSEL 1000 VALUE</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287598</cusip>
    <value>5213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSEL 1000 VALUE</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287598</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P MIDCAP400 GROWTH</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287606</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 1000 GROWTH</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287614</cusip>
    <value>975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3875</Sole>
      <Shared>2600</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 1000 GROWTH</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287614</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2750</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  RUSSELL 1000</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287622</cusip>
    <value>12662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89463</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  RUSSELL 1000</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287622</cusip>
    <value>2403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16976</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 2000 VALUE</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287630</cusip>
    <value>2994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33105</Sole>
      <Shared>3400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 2000 VALUE</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287630</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2945</Sole>
      <Shared>426</Shared>
      <None>137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 2000 GROWTH</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287648</cusip>
    <value>6124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37732</Sole>
      <Shared>983</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 2000 GROWTH</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287648</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 2000 INDEX</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287655</cusip>
    <value>15132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130298</Sole>
      <Shared>1910</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 2000 INDEX</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287655</cusip>
    <value>1817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12172</Sole>
      <Shared>3704</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 3000 VALUE</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287663</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     RUSSELL 3000 GROWTH</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287671</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  RUSSELL 3000</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287689</cusip>
    <value>2546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P MIDCAP 400 VALUE</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464287705</cusip>
    <value>1525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13624</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  U.S. TECH ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287721</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     DJ US REAL ESTATE</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>464287739</cusip>
    <value>35</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>ISHR US INDUSTRIALS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287754</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR US HEALTHCARE</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287762</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ FINL SECTOR</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287788</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  U.S. ENERGY ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287796</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P SMALL CAP 600</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287804</cusip>
    <value>7365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130194</Sole>
      <Shared>0</Shared>
      <None>1060</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P SMALL CAP 600</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287804</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5127</Sole>
      <Shared>867</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR BASIC MATERIALS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287838</cusip>
    <value>35</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>ISHARES                     DJ US TOTAL MARKET</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464287846</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P EUROPE 350 INDEX</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464287861</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P SMCAP 600 VALUE</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287879</cusip>
    <value>1177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11680</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P SMCAP 600 GROWTH</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464287887</cusip>
    <value>382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NATIONAL            0-5 YR MUNIS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>464288158</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NATIONAL            0-5 YR MUNIS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>464288158</cusip>
    <value>802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>7545</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  AGENCY BOND ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288166</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  AGENCY BOND ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288166</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     MID-CAP INDEX</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>464288208</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  GL CLEAN ENE ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464288224</cusip>
    <value>10</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>ISHARES NON-US STOCKS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464288240</cusip>
    <value>4932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>131038</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NON-US STOCKS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464288240</cusip>
    <value>703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI ACWI ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464288257</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI SMALL CAP</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464288273</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     EMERGING MKT BONDS</nameOfIssuer>
    <titleOfClass>NON-US TAXABLE FIXED INCOME</titleOfClass>
    <cusip>464288281</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CALIF MUN BD ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>464288356</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INFRASTRUCTURE</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464288372</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P NATIONAL        MUNIS AMT-FREE</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>464288414</cusip>
    <value>1376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ EUR/.PAC DIV</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464288448</cusip>
    <value>800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34881</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ EUR/.PAC DIV</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>464288448</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1289</Sole>
      <Shared>600</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  HIGH YLD CORP</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288513</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI KLD400 SOC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464288570</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1709</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  INTRM GOV CR ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288612</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL INTERMEDIATE CREDIT INDEX</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288638</cusip>
    <value>1364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL INTERMEDIATE CREDIT INDEX</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288638</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>331</Sole>
      <Shared>560</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SHORT-TERM CORPORATEBOND ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288646</cusip>
    <value>1300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24833</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SHORT-TERM CORPORATEBOND ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288646</cusip>
    <value>818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14672</Sole>
      <Shared>950</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  3 7 YR TREAS BD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288661</cusip>
    <value>151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  3 7 YR TREAS BD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>464288661</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1574</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR S&amp;P U.S. PFD STK</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>464288687</cusip>
    <value>102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR S&amp;P U.S. PFD STK</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>464288687</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5866</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR S&amp;P GBL CNSM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464288745</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR KLD SOCIAL INDEX</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464288802</cusip>
    <value>1362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR KLD SOCIAL INDEX</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464288802</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>70</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  DJ OIL&amp;GAS EXP</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>464288851</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3225</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHR RUSSELL MICR IDX</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>464288869</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI PHILIPS ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>46429B408</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  FLTG RATE BD ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>46429B655</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE HIGH DV ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46429B663</cusip>
    <value>1041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13549</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE HIGH DV ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46429B663</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MIN VOL EAFE ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46429B689</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI MIN VOL ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46429B697</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  USA QUALITY FCTR</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46432F339</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE MSCI TOTAL</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46432F834</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46432F842</cusip>
    <value>17878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>355095</Sole>
      <Shared>3325</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46432F842</cusip>
    <value>2103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24710</Sole>
      <Shared>17450</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 CORE MSCI EMKT</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>46434G103</cusip>
    <value>16715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>408039</Sole>
      <Shared>4150</Shared>
      <None>825</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 CORE MSCI EMKT</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>46434G103</cusip>
    <value>1779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39260</Sole>
      <Shared>4708</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 MSCI EM ESG OPZ</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>46434G863</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  IBONDS SEP2020</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>46434V571</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI EAFE ESG OP</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46435G516</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI GLOBAL IMP</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>46435G532</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  IBONDS DEC2022</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>46435G755</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  IBONDS DEC2021</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>46435G789</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  BROAD USD HIGH</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>46435U853</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J &amp; J SNACK FOODS CORP      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>466032109</cusip>
    <value>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J &amp; J SNACK FOODS CORP      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>466032109</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JP MORGAN CHASE &amp; CO        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46625H100</cusip>
    <value>20531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>224161</Sole>
      <Shared>2559</Shared>
      <None>1330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JP MORGAN CHASE &amp; CO        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15573</Sole>
      <Shared>8437</Shared>
      <None>845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         ALERIAN MLP ETN</nameOfIssuer>
    <titleOfClass>MLP'S</titleOfClass>
    <cusip>46625H365</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26495</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         ALERIAN MLP ETN</nameOfIssuer>
    <titleOfClass>MLP'S</titleOfClass>
    <cusip>46625H365</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>466313103</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS ENGR GROUP INC       COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>469814107</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>47233W109</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JETBLUE AWYS CORP           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>477143101</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>478160104</cusip>
    <value>18410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>137946</Sole>
      <Shared>1362</Shared>
      <None>1085</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>478160104</cusip>
    <value>3207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16834</Sole>
      <Shared>7352</Shared>
      <None>269</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>48203R104</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KAR AUCTION SVCS INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>48238T109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA-TENCOR CORP             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>482480100</cusip>
    <value>188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC                CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>48251W104</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KAMAN CORP                  COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>483548103</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN        COM NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>485170302</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>487836108</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>950</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENNEDY-WILSON HLDGS INC    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>489398107</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>49271V100</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP NEW                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>493267108</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7007</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>49338L103</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>494368103</cusip>
    <value>1360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>494368103</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2807</Sole>
      <Shared>150</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>49456B101</cusip>
    <value>1787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>127614</Sole>
      <Shared>800</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>49456B101</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2468</Sole>
      <Shared>1002</Shared>
      <None>488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDRED BIOSCIENCES INC     COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>494577109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KOHLS CORP                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>500255104</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONTOOR BRANDS INC          COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>50050N103</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONTOOR BRANDS INC          COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>50050N103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>116</Sole>
      <Shared>427</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>500754106</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2693</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>500754106</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2765</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KROGER CO                   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>501044101</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1555</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>501889208</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4775</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>501889208</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4445</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>502431109</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1964</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS  COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>50540R409</cusip>
    <value>4</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>512807108</cusip>
    <value>490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2041</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>512807108</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>305</Sole>
      <Shared>20</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW    CL A</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>512816109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC       COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>513272104</cusip>
    <value>25</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>517834107</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC        CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>518439104</cusip>
    <value>1829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11348</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC        CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>518439104</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1010</Sole>
      <Shared>311</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>524660107</cusip>
    <value>429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16073</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>524660107</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGG MASON INC</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>524901105</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>525327102</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                 CL B</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>526057302</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LIBERTY MEDIA CORP DEL      COM SER C FRMLA</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>531229854</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>532457108</cusip>
    <value>578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>532457108</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>705</Sole>
      <Shared>50</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIMONEIRA CO                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>532746104</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>534187109</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1647</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LITTELFUSE INC              COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>537008104</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT INCOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>538034109</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LIVENT CORP                 COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>53814L108</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>539830109</cusip>
    <value>1023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2919</Sole>
      <Shared>100</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>539830109</cusip>
    <value>110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>300</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOEWS CORP</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>540424108</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOGMEIN INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>54142L109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOGMEIN INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>54142L109</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>548661107</cusip>
    <value>4480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51524</Sole>
      <Shared>545</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>548661107</cusip>
    <value>576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6327</Sole>
      <Shared>363</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC     COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>550021109</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>55261F104</cusip>
    <value>2654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>55261F104</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>756</Sole>
      <Shared>130</Shared>
      <None>143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRUMENT INC          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>55306N104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC              COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>553498106</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                    COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>55354G100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MSG NETWORK INC             CL A</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>553573106</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MTS SYS CORP                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>553777103</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACQUARIE INFRASTRUCTURE CORCOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>55608B105</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MACQUARIE INFRASTRUCTURE CORCOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>55608B105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MACYS INC                   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>55616P104</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GARDEN CO NEWCL A</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>55825T103</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MANULIFE FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>56501R106</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1830</Sole>
      <Shared>260</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>565849106</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>764</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>56585A102</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>56585A102</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL CORP                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>570535104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC       COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>57060D108</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>571748102</cusip>
    <value>1447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>571748102</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>706</Sole>
      <Shared>100</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW       CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>571903202</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW       CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>571903202</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>574599106</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INC              CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2355</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INC              CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>626</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATSON INC                  COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>57686G105</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATSON INC                  COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>57686G105</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>577081102</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>577081102</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAXIM INTEGRATED PRODS INC  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>57772K101</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1518</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC          COM NON VTG</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>579780206</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>580135101</cusip>
    <value>9581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55253</Sole>
      <Shared>1093</Shared>
      <None>1600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>580135101</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1764</Sole>
      <Shared>3838</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>1385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9791</Sole>
      <Shared>452</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC     COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>58463J304</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC NEW          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>10242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>132563</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC NEW          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>1225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14548</Sole>
      <Shared>1378</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERITAGE HOMES CORP         COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>59001A102</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC.</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>59156R108</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC.</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>59156R108</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO              INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>592688105</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRO FOCUS INTL PLC        SPON ADR NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITIES</titleOfClass>
    <cusip>594837403</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>594918104</cusip>
    <value>52469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>324822</Sole>
      <Shared>3124</Shared>
      <None>4750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>594918104</cusip>
    <value>9612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32247</Sole>
      <Shared>28698</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>595017104</cusip>
    <value>123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>595017104</cusip>
    <value>490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>6398</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>595112103</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MOLSON COORS BREWING CO     CL B</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>60871R209</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MOMENTA PHARMACEUTICALS INC COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>60877T100</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONARCH CASINO &amp; RESORT INC COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>609027107</cusip>
    <value>500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17816</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONARCH CASINO &amp; RESORT INC COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>609027107</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC           CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>609207105</cusip>
    <value>6877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>134702</Sole>
      <Shared>1457</Shared>
      <None>1154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC           CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>609207105</cusip>
    <value>1463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19070</Sole>
      <Shared>9603</Shared>
      <None>549</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                 CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>60937P106</cusip>
    <value>1635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                 CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>60937P106</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>609839105</cusip>
    <value>2732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>609839105</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>61174X109</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>615369105</cusip>
    <value>777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY DEAN WITTER   &amp; CO NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>617446448</cusip>
    <value>94</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW               COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>61945C103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>426</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MYERS INDS INC              COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>628464109</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NIC INC                     COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>62914B100</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIC INC                     COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>62914B100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO N J    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>636180101</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC           SPONSORED ADR NE</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>636274409</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3821</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC           SPONSORED ADR NE</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>636274409</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL OILWELL VARCO INC  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>637071101</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEENAH PAPER INC            COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>640079109</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETWORK APPLIANCE INC       COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>64110D104</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>64110L106</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>651229106</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT MINING CORP         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>651639106</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWS CORP NEW               CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>65249B109</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>65339F101</cusip>
    <value>1448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6017</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                    CL B</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>654106103</cusip>
    <value>10745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>126791</Sole>
      <Shared>1083</Shared>
      <None>1995</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                    CL B</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>654106103</cusip>
    <value>1060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8047</Sole>
      <Shared>4039</Shared>
      <None>730</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOBLE ENERGY INC            COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>655044105</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>655663102</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSTROM INC               COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>655664100</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>655844108</cusip>
    <value>5462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37125</Sole>
      <Shared>287</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>655844108</cusip>
    <value>664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>1748</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>665859104</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1003</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>666807102</cusip>
    <value>445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHWEST NAT HLDG CO       COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>66765N105</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTONLIFE LOCK INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>668771108</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS A G                SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>66987V109</cusip>
    <value>2687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS A G                SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>66987V109</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1595</Sole>
      <Shared>2599</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S            ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>670100205</cusip>
    <value>781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>670346105</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN SELECT TAX FREE INCM SH BEN INT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>67062F100</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CALIFORNIA AMT QLT MUCOM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>670651108</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INCCOM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>670657105</cusip>
    <value>1048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INCCOM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>670657105</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>67066G104</cusip>
    <value>4788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17646</Sole>
      <Shared>520</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>67066G104</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>57</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME COM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>67066V101</cusip>
    <value>543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CA DIVIDEND ADV MUN FCOM SHS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>67066Y105</cusip>
    <value>497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CA DIVIDEND ADV MUN FCOM SHS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>67066Y105</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5601</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NUVEEN PFD &amp; INCM SECURTIES COM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX-EXEMPT</titleOfClass>
    <cusip>67072C105</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                 COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>67077M108</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR             NUVEEN ESG MIDCP</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>67092P409</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN VALUE FD INC     COM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>670928100</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>O REILLY AUTOMOTIVE INC NEW COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>67103H107</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>O REILLY AUTOMOTIVE INC NEW COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>67103H107</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP DEL    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>674599105</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OFFICE PPTYS INCOME TR      COM SHS BEN INT</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>67623C109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FGHT LINES INC COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>679580100</cusip>
    <value>2448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18649</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FGHT LINES INC COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>679580100</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP           COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>680223104</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLT HLDGS ICOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>681116109</cusip>
    <value>1110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLT HLDGS ICOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>681116109</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>681919106</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC   COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>681936100</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW               COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>682680103</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>68389X105</cusip>
    <value>4463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91317</Sole>
      <Shared>882</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>68389X105</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3310</Sole>
      <Shared>1500</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>688239201</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>688239201</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTTER TAIL CORP             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>689648103</cusip>
    <value>558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTTER TAIL CORP             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>689648103</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>69047Q102</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OXFORD INDS INC             COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>691497309</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PDL BIOPHARMA INC           COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>69329Y104</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>69331C108</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>693475105</cusip>
    <value>691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>693475105</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>195</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POSCO</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>693483109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>693506107</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>69351T106</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>69351T106</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>693718108</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACWEST BANCORP DEL         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>695263103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC      COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>697435105</cusip>
    <value>480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARK OHIO HLDGS CORP        COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>700666100</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER HANNIFIN CORP        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>701094104</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PATTERSON COMPANIES INC</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>703395103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>704326107</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8401</Sole>
      <Shared>217</Shared>
      <None>0</None>
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    <nameOfIssuer>PAYPAL HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4495</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>859</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>PEMBINA PIPELINE CORP       COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>706327103</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PENNYMAC MTG INVT TR        COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>70931T103</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PENNYMAC MTG INVT TR        COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>70931T103</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEOPLES UTD FINL INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>712704105</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>713448108</cusip>
    <value>12637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>104361</Sole>
      <Shared>769</Shared>
      <None>93</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>713448108</cusip>
    <value>3353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4453</Sole>
      <Shared>23195</Shared>
      <None>272</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PERKINELMER INC             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>714046109</cusip>
    <value>151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PERSPECTA INC               COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>715347100</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PETROLEO BRASILEIRO SA PETROSPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>71654V408</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>717081103</cusip>
    <value>7032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>203306</Sole>
      <Shared>1220</Shared>
      <None>11000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>717081103</cusip>
    <value>1064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23682</Sole>
      <Shared>8394</Shared>
      <None>521</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>718172109</cusip>
    <value>6313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85694</Sole>
      <Shared>850</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>718172109</cusip>
    <value>992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1174</Sole>
      <Shared>12420</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>718546104</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4706</Sole>
      <Shared>125</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>718546104</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PILGRIMS PRIDE CORP         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>72147K108</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR                ENHAN SHRT MAT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>72201R833</cusip>
    <value>2773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR                ENHAN SHRT MAT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>72201R833</cusip>
    <value>506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>3916</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR                INTER MUN BD ACT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>72201R866</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP      COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>723484101</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PINTEREST INC               CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>72352L106</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>200</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIONEER NATURAL RESOURCES   COMPANY</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>723787107</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIONEER NATURAL RESOURCES   COMPANY</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>723787107</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>184</Sole>
      <Shared>2000</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC          CL A</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>72703H101</cusip>
    <value>664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC          CL A</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>72703H101</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLANTRONICS INC NEW         COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>727493108</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>1900</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO        COM NEW</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>736508847</cusip>
    <value>835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO        COM NEW</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>736508847</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>737446104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>74144T108</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7486</Sole>
      <Shared>270</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>74144T108</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP   INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>74251V102</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>742718109</cusip>
    <value>10154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90670</Sole>
      <Shared>1642</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>742718109</cusip>
    <value>1900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15222</Sole>
      <Shared>2050</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESS SOFTWARE CORP      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>743312100</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESS SOFTWARE CORP      COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>743312100</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>743315103</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC                COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>74340W103</cusip>
    <value>1341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16382</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC                COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>74340W103</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1090</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR                SHORT S&amp;P 500 NE</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>74347B425</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR                ULTRAPRO QQQ</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>74347X831</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>744320102</cusip>
    <value>847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>744320102</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>293</Sole>
      <Shared>466</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL PLC              ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>74435K204</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>744573106</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1698</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>74736K101</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>747525103</cusip>
    <value>1295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18933</Sole>
      <Shared>209</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>747525103</cusip>
    <value>199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>2900</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>74834L100</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC       COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>74834L100</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QURATE RETAIL INC           COM SER A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>74915M100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>749607107</cusip>
    <value>1179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>749607107</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>749685103</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>749685103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>75281A109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO                 COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>755111507</cusip>
    <value>1865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO                 COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>755111507</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2123</Sole>
      <Shared>71</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC            COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>75524B104</cusip>
    <value>1013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC            COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>75524B104</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP          COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>756109104</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP          COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>756109104</cusip>
    <value>110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>200</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS   COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>75886F107</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA ICOM NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>759351604</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA ICOM NEW</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>759351604</cusip>
    <value>151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC           COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>760759100</cusip>
    <value>163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>761152107</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESIDEO TECHNOLOGIES INC    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>76118Y104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>626</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RETAIL OPPORTUNITY INVTS CORCOM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>76131N101</cusip>
    <value>194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RETAIL OPPORTUNITY INVTS CORCOM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>76131N101</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INTL INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>770323103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>773903109</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC   CL B</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>775109200</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>775711104</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER INDS INC NEW          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>776696106</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>273</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>778296103</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK SCOTLAND GROUP PLC SPONS ADR 2 ORD</nameOfIssuer>
    <titleOfClass>NON-US EQUITIES</titleOfClass>
    <cusip>780097689</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPON ADR B</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>780259107</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONS ADR A</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>780259206</cusip>
    <value>882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23095</Sole>
      <Shared>0</Shared>
      <None>2200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONS ADR A</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>780259206</cusip>
    <value>198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5500</Sole>
      <Shared>175</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC              COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>780287108</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYANAIR HLDGS PLC           SPONSORED ADR NE</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>783513203</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC               COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>783549108</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>78377T107</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>78409V104</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVESTMENTS CO          COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>784117103</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SK TELECOM LTD              SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>78440P108</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR TR S&amp;P 500</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>78462F103</cusip>
    <value>40658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>157243</Sole>
      <Shared>200</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR TR S&amp;P 500</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>78462F103</cusip>
    <value>5843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21261</Sole>
      <Shared>1410</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>78463V107</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>78463V107</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS          ASIA PACIF ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>78463X301</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>574</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR EMERGING SMALL CAP</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>78463X756</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS          MSCI ACWI EXUS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>78463X848</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS          DJ INTL RL ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>78463X863</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 BLMBRG BRC CNVRT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>78464A359</cusip>
    <value>1975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39871</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 BLMBRG BRC CNVRT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>78464A359</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>399</Sole>
      <Shared>2050</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           INTR TRM CORP BD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>78464A375</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           BARC CAPTL ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>78464A474</cusip>
    <value>559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           BARC CAPTL ETF</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>78464A474</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12516</Sole>
      <Shared>1000</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDER SERIES TRUST ETF      REGIONAL BANKS</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>78464A698</cusip>
    <value>7</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>SPDR SER TR                 S&amp;P DIVID ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>78464A763</cusip>
    <value>3202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 S&amp;P DIVID ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>78464A763</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1026</Sole>
      <Shared>4945</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST SMALL CAP</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>78464A813</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>891</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           S&amp;P BIOTECH</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>78464A870</cusip>
    <value>5218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           S&amp;P BIOTECH</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>78464A870</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1148</Sole>
      <Shared>161</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDS TR                 UNIT SER 1</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>78467X109</cusip>
    <value>6319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28472</Sole>
      <Shared>350</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDS TR                 UNIT SER 1</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>78467X109</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>295</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDCAP SPDR TR              UNIT SER 1</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>12483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45587</Sole>
      <Shared>1900</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDCAP SPDR TR              UNIT SER 1</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>2662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7157</Sole>
      <Shared>2902</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 SHT TRM HGH YLD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>1978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>83982</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 SHT TRM HGH YLD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>425</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BBG BARC HIGH YIELD BND</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>78468R622</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2122</Sole>
      <Shared>448</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN MUNI-TFI</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>78468R721</cusip>
    <value>1157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN S/T-SHM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>78468R739</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SVB FINL GROUP              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>78486Q101</cusip>
    <value>1048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SVB FINL GROUP              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>78486Q101</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>79466L302</cusip>
    <value>3267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22241</Sole>
      <Shared>452</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>79466L302</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>67</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI                      SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>80105N105</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANMINA CORPORATION         COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>801056102</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP AKTIENGESELLSCHAFT      SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>803054204</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SASOL LTD                   SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>803866300</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>806407102</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>806857108</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>806857108</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>120</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>808513105</cusip>
    <value>2613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>76017</Sole>
      <Shared>725</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW     COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>808513105</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1536</Sole>
      <Shared>2149</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         US BRD MKT ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>808524102</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         US LRG CAP ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>808524201</cusip>
    <value>759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         US LCAP GR ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>808524300</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         US MID-CAP ETF</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>808524508</cusip>
    <value>7140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>169393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         US MID-CAP ETF</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>808524508</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>505</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         US SML CAP ETF</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>808524607</cusip>
    <value>738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         US SML CAP ETF</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>808524607</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>625</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         EMRG MKTEQ ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>808524706</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3059</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR         INTL EQTY ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>808524805</cusip>
    <value>806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCRIPPS E W CO OHIO         CL A NEW</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>811054402</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEATTLE GENETICS INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>812578102</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI MATERIALS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI HEALTHCARE</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI CONS STPLS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI CONS STPLS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI CONS DISCR</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI CONS DISCR</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>125</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       ENERGY</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1938</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       FINANCIALS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15912</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI INT-INDS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4292</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SECTOR SPDR TR              TECHNOLOGY</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12218</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       COMMUNICATION</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       RL EST SEL SEC</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI INT-UTILS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA ENERGY               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>816851109</cusip>
    <value>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA ENERGY               COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>816851109</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>850</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>81762P102</cusip>
    <value>2326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>81762P102</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>48</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>824348106</cusip>
    <value>5864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12761</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>824348106</cusip>
    <value>310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>339</Sole>
      <Shared>284</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIGNATURE BK NEW YORK N Y   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>82669G104</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIGNATURE BK NEW YORK N Y   COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>82669G104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW    COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>828806109</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPSON MANUFACTURING CO INCCOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>829073105</cusip>
    <value>897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14472</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPSON MANUFACTURING CO INCCOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>829073105</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HLDGS INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>82968B103</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7444</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>83088M102</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMILEDIRECTCLUB INC         CL A COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>83192H106</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>833034101</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY CORP                   SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>835699307</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>842587107</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>84265V105</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>844741108</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST GAS HOLDINGS INC  COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>844895102</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NECOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>84790A105</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NECOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>84790A105</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS INCCOM CL A</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>848574109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                  COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>848637104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD TRUST  UNIT</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>85207H104</cusip>
    <value>637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48558</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL SILVER TR   TR UNIT</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>85207K107</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPRINT CORPORATION          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>85207U105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAMPS COM INC              COM NEW</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>852857200</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>854502101</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>855244109</cusip>
    <value>3024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45753</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>855244109</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>857477103</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2170</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>863667101</cusip>
    <value>1193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2760</Sole>
      <Shared>0</Shared>
      <None>4405</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP                COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>863667101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMMIT MATLS INC            CL A</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>86614U100</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>858</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC              COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>866674104</cusip>
    <value>503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC              COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>866674104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <cusip>867224107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7867</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7867</Sole>
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      <None>0</None>
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    <cusip>867224107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2145</sshPrnamt>
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      <Sole>1960</Sole>
      <Shared>185</Shared>
      <None>0</None>
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    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>87161C501</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>21561</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21561</Sole>
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      <None>0</None>
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    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>87161C501</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>283</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYNCHRONY FINL              COM</nameOfIssuer>
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    <cusip>87165B103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>141725</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
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    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>87165B103</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>3066</Sole>
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    <cusip>871829107</cusip>
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      <sshPrnamt>4683</sshPrnamt>
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    <votingAuthority>
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    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>871829107</cusip>
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      <sshPrnamt>1744</sshPrnamt>
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      <Sole>1744</Sole>
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      <None>0</None>
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    <nameOfIssuer>TD AMERITRADE HLDG CORP     COM</nameOfIssuer>
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    <cusip>87236Y108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>219</Sole>
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      <None>0</None>
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      <sshPrnamt>173871</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170955</Sole>
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    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>872540109</cusip>
    <value>591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10306</Sole>
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      <None>594</None>
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    <nameOfIssuer>T MOBILE US INC             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>872590104</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>518</sshPrnamt>
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    <votingAuthority>
      <Sole>518</Sole>
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      <None>0</None>
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    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTDSPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>874039100</cusip>
    <value>781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16335</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16335</Sole>
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      <None>0</None>
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    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTDSPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>874039100</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>1000</Shared>
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    <nameOfIssuer>TAKEDA PHARMACEUTICAL CO LTDSPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>874060205</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>477</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>87612E106</cusip>
    <value>823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8848</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>87612E106</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2742</Sole>
      <Shared>50</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TARGA RES CORP              COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>87612G101</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>182</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TEGNA INC                   COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>87901J105</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4281</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC   COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>879360105</cusip>
    <value>1761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5925</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC   COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>879360105</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>79</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED       COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>879369106</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TELEFONICA S A              SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>879382208</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4195</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TENARIS S A                 SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>88031M109</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>274</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>880770102</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>273</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW              COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>880779103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TESLA MTRS INC              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>88160R101</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>788</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTDSPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>881624209</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1265</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>882508104</cusip>
    <value>2592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25940</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>882508104</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>130</Shared>
      <None>0</None>
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    <nameOfIssuer>TEXTRON INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>883203101</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8407</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>883556102</cusip>
    <value>6028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21255</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>883556102</cusip>
    <value>657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2209</Sole>
      <Shared>106</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>8045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57987</Sole>
      <Shared>944</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4233</Sole>
      <Shared>99</Shared>
      <None>226</None>
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  <infoTable>
    <nameOfIssuer>TIVO CORP                   COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>88870P106</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TOOTSIE ROLL INDS INC       COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>890516107</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>964</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP               COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>89055F103</cusip>
    <value>387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP               COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>89055F103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                     COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>891092108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT     COM NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>891160509</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT     COM NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>891160509</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL S A                   SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>89151E109</cusip>
    <value>398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10683</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL S A                   SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>89151E109</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>70</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP           SP ADR REP2COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>892331307</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>893641100</cusip>
    <value>172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>538</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC         COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>893641100</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>267</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES, INC    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15587</Sole>
      <Shared>325</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES, INC    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>89417E109</cusip>
    <value>480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1455</Sole>
      <Shared>3374</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                 COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>89531P105</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>896239100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRINITY INDS INC            COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>896522109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIPADVISOR INC             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>896945201</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP            COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWITTER INC                 COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>90184L102</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>750</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC      COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>902252105</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC             CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>902494103</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12956</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC             CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>902494103</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>87</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>902973304</cusip>
    <value>342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>902973304</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1392</Sole>
      <Shared>5473</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTRAGENYX PHARMACEUTICAL INCOM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>90400D108</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UMPQUA HLDGS CORP           COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>904214103</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                SPON ADR NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>904767704</cusip>
    <value>1641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                SPON ADR NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>904767704</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER N V                N Y SHS NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>904784709</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER N V                N Y SHS NEW</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>904784709</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>907818108</cusip>
    <value>2432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>907818108</cusip>
    <value>448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3104</Sole>
      <Shared>75</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED CONTL HLDGS INC      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>910047109</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>911312106</cusip>
    <value>1191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>911312106</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>526</Sole>
      <Shared>40</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC          COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>911363109</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES OIL FUND LP   UNITS</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>91232N108</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>913017109</cusip>
    <value>3326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34361</Sole>
      <Shared>900</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>913017109</cusip>
    <value>771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>931</Sole>
      <Shared>7240</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>91324P102</cusip>
    <value>6713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26921</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26721</Sole>
      <Shared>200</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>91324P102</cusip>
    <value>641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1319</Sole>
      <Shared>1253</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC     CL B</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>913903100</cusip>
    <value>609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>4950</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNUMPROVIDENT CORP</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>91529Y106</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>URBAN OUTFITTERS INC        COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>917047102</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>V F CORP                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>918204108</cusip>
    <value>628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11618</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>V F CORP                    COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>918204108</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>3000</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALE S A                    ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>91912E105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>2107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1533</Sole>
      <Shared>586</Shared>
      <None>236</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALVOLINE INC               COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>92047W101</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1647</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VAN ECK MERK GOLD TR</nameOfIssuer>
    <titleOfClass>ALTERNATIVE-PUBLIC</titleOfClass>
    <cusip>921078101</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS GOLD MINERS EETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>92189F106</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANECK VECTORS ETF TR       INVT GRADE FLTG</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>92189F486</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANECK VECTORS MORNINGSTAR  WIDE</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92189F643</cusip>
    <value>546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS AGRIBUSINESS ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92189F700</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD DIVIDEND           APPRECIATION ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>921908844</cusip>
    <value>3706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD DIVIDEND           APPRECIATION ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>921908844</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FD            VG TL INTL STK F</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>921909768</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC    SHORT TRM BOND</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>921937827</cusip>
    <value>3983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46901</Sole>
      <Shared>0</Shared>
      <None>1564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC    SHORT TRM BOND</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>921937827</cusip>
    <value>991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9512</Sole>
      <Shared>2541</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC    TOTAL BND MRKT</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>921937835</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE DEVELOPED     MARKETS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>921943858</cusip>
    <value>15653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>469495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>467335</Sole>
      <Shared>0</Shared>
      <None>2160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE DEVELOPED     MARKETS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>921943858</cusip>
    <value>821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11105</Sole>
      <Shared>13506</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS INC  HIGH DIV YLD</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>921946406</cusip>
    <value>1495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21132</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS          ENERGY ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92204A306</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS          ENERGY ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92204A306</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS          HEALTH CAR ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92204A504</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FFTSE SMCAP ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>922042718</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FFTSE SMCAP ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>922042718</cusip>
    <value>190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FTT WRLD ST ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>922042742</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FALLWRLD EX US</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>922042775</cusip>
    <value>5049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>123083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FALLWRLD EX US</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>922042775</cusip>
    <value>4522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>101384</Sole>
      <Shared>8849</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD EMERGING MARKET    EQUITY ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>922042858</cusip>
    <value>11124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>328376</Sole>
      <Shared>0</Shared>
      <None>3295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD EMERGING MARKET    EQUITY ETF</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>922042858</cusip>
    <value>1344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16082</Sole>
      <Shared>23996</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FEURO VIPERS</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>922042874</cusip>
    <value>131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3017</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS     SHORT TERM TREAS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>92206C102</cusip>
    <value>666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHRT-TERM CORP</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>92206C409</cusip>
    <value>2711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33583</Sole>
      <Shared>685</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHRT-TERM CORP</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>92206C409</cusip>
    <value>816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>10028</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS     VNG RUS2000IDX</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>92206C664</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS     INTER TERM TREAS</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>92206C706</cusip>
    <value>116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERM CORP</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>92206C870</cusip>
    <value>7003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77836</Sole>
      <Shared>0</Shared>
      <None>2575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERM CORP</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAXABLE</titleOfClass>
    <cusip>92206C870</cusip>
    <value>772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7035</Sole>
      <Shared>1833</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAREX IMAGING CORP          COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>92214X106</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VARIAN MED SYS INC          COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>92220P105</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC               CL A COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>922475108</cusip>
    <value>1564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9578</Sole>
      <Shared>0</Shared>
      <None>425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FD INC      TAX EXEMPT BD</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>922907746</cusip>
    <value>26</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>VANGUARD INDEX FDS          S&amp;P 500 ETF SHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>922908363</cusip>
    <value>10588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          S&amp;P 500 ETF SHS</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>922908363</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          MCAP VL IDXVIP</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>922908512</cusip>
    <value>624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          MCAP GR IDXVIP</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>922908538</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          REIT ETF</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>922908553</cusip>
    <value>1246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17833</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          REIT ETF</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>922908553</cusip>
    <value>734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9617</Sole>
      <Shared>892</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          SM CP VAL ETF</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>922908611</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          MID CAP ETF</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>922908629</cusip>
    <value>7698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          LARGE CAP ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>922908637</cusip>
    <value>681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          EXTEND MKT ETF</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>922908652</cusip>
    <value>554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          EXTEND MKT ETF</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>922908652</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>220</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          GROWTH ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>922908736</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          VALUE ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>922908744</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>652</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          SMALL CP ETF</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>922908751</cusip>
    <value>6258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          SMALL CP ETF</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>922908751</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          STK MRK ETF</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>922908769</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>92343E102</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1586</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92343V104</cusip>
    <value>6272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>114934</Sole>
      <Shared>1300</Shared>
      <None>526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS      COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16116</Sole>
      <Shared>7260</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERMILION ENERGY INC        COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>923725105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC  COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92532F100</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIASAT INC                  COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>92552V100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIAVI SOLUTIONS INC         COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>925550105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIACOMCBS INC               CL B</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92556H206</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1522</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92826C839</cusip>
    <value>23925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>146434</Sole>
      <Shared>926</Shared>
      <None>1133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4351</Sole>
      <Shared>3042</Shared>
      <None>542</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIRTUS INVT PARTNERS INC    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>92828Q109</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISHAY INTERTECHNOLOGY INC  COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>928298108</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISHAY PRECISION GROUP INC  COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>92835K103</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC                  CL A COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>928563402</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW      SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>92857W308</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14843</Sole>
      <Shared>0</Shared>
      <None>1090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO             COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>929160109</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WD-40 CO                    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>929236107</cusip>
    <value>1294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WD-40 CO                    COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>929236107</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>85</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABCO HLDGS INC             COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>92927K102</cusip>
    <value>126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>935</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WPP PLC NEW                 ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>92937A102</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WABTEC                      COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>929740108</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4383</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WABTEC                      COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>929740108</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>431</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WAL MART STORES INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>931142103</cusip>
    <value>4238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37303</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WAL MART STORES INC         COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>931142103</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>998</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>931427108</cusip>
    <value>324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7072</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>931427108</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>482</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC       COM</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>94106B101</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL          COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>94106L109</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATTS WATER TECHNOLOGIES INCCL A</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>942749102</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>WEIBO CORP                  SPONSORED ADR</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>948596101</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO NEW        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>949746101</cusip>
    <value>2816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97198</Sole>
      <Shared>934</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO NEW        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>949746101</cusip>
    <value>462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9718</Sole>
      <Shared>6387</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW          PERP PFD CNV A</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>949746804</cusip>
    <value>548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW          PERP PFD CNV A</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>949746804</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>50</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WELLTOWER INC               COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9028</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WELLTOWER INC               COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>1500</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INCCOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>955306105</cusip>
    <value>971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6380</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INCCOM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>955306105</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>79</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>958102105</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WESTERN ASSET INTER MUNI FD COM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>958435109</cusip>
    <value>2532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>290715</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WESTERN ASSET INTER MUNI FD COM</nameOfIssuer>
    <titleOfClass>FIXED INCOME TAX EXEMPT</titleOfClass>
    <cusip>958435109</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2269</Sole>
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      <None>0</None>
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    <nameOfIssuer>WESTERN UN CO               COM</nameOfIssuer>
    <titleOfClass>US MID-CAP EQUITIES</titleOfClass>
    <cusip>959802109</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3274</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3274</Sole>
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      <None>0</None>
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    <nameOfIssuer>WESTPAC BKG CORP            SPONSORED ADR</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (DEVELOPED)</titleOfClass>
    <cusip>961214301</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>220</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO             COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>962166104</cusip>
    <value>170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10028</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10028</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO             COM</nameOfIssuer>
    <titleOfClass>REIT'S</titleOfClass>
    <cusip>962166104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>199</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC DEL        COM</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>969457100</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1587</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1587</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC         COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>969904101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE INVTS INC        COM</nameOfIssuer>
    <titleOfClass>US SMALL-CAP EQUITIES</titleOfClass>
    <cusip>97717P104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2958</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2958</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR               EMG MKTS SMCAP</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>97717W281</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4685</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR               EMG MKTS SMCAP</nameOfIssuer>
    <titleOfClass>NON-US EQUITY (EMERGING)</titleOfClass>
    <cusip>97717W281</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2299</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR               US LARGECAP DIVD</nameOfIssuer>
    <titleOfClass>US LARGE-CAP EQUITIES</titleOfClass>
    <cusip>97717W307</cusip>
    <value>266</value>
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    <cusip>97717W869</cusip>
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    <cusip>981811102</cusip>
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    <cusip>983919101</cusip>
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    <cusip>98419M100</cusip>
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    <cusip>988498101</cusip>
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    <cusip>988498101</cusip>
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    <cusip>98850P109</cusip>
    <value>282</value>
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    <cusip>98850P109</cusip>
    <value>13</value>
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    <cusip>98956P102</cusip>
    <value>294</value>
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    <cusip>989701107</cusip>
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