<SEC-DOCUMENT>0001387131-21-006435.txt : 20210609
<SEC-HEADER>0001387131-21-006435.hdr.sgml : 20210609
<ACCEPTANCE-DATETIME>20210609104710
ACCESSION NUMBER:		0001387131-21-006435
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210331
FILED AS OF DATE:		20210609
DATE AS OF CHANGE:		20210609
EFFECTIVENESS DATE:		20210609

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:		211004377

	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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          <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>06-03-2021</signatureDate>
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    <titleOfClass>PREFERRED STOCK</titleOfClass>
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    <value>123</value>
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    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>030420103</cusip>
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    <cusip>030420103</cusip>
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    <nameOfIssuer>AMERIPRISE FINL INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03076C106</cusip>
    <value>9</value>
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      <sshPrnamt>40</sshPrnamt>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>031162100</cusip>
    <value>6321</value>
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      <sshPrnamt>25407</sshPrnamt>
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      <None>1754</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>031162100</cusip>
    <value>6</value>
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      <sshPrnamt>25</sshPrnamt>
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    <nameOfIssuer>ANALOG DEVICES INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>032654105</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408</sshPrnamt>
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    <nameOfIssuer>ANNALY MTG MGMT INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>035710409</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
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      <Sole>2000</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANSYS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>03662Q105</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANTHEM INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>036752103</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
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      <Sole>50</Sole>
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      <None>0</None>
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    <nameOfIssuer>AON PLC                     SHS CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
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      <Sole>84</Sole>
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      <None>0</None>
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    <nameOfIssuer>APPLE INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>31973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261752</sshPrnamt>
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      <Sole>252749</Sole>
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      <None>9003</None>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>037833100</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2747</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>APTIV PLC                   SHS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>G6095L109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
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      <Sole>88</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARGAN INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>04010E109</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC             SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>046353108</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
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      <Sole>324</Sole>
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      <None>0</None>
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    <nameOfIssuer>AT&amp;T INC                    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>00206R102</cusip>
    <value>498</value>
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      <sshPrnamt>16442</sshPrnamt>
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      <Sole>16394</Sole>
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      <None>48</None>
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  <infoTable>
    <nameOfIssuer>AURORA CANNABIS INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>05156X884</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
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      <Sole>32</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTODESK INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>052769106</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
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      <Sole>47</Sole>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053015103</cusip>
    <value>1194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6336</sshPrnamt>
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      <Sole>5106</Sole>
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      <None>1230</None>
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    <nameOfIssuer>AUTOZONE INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>053332102</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
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      <Sole>65</Sole>
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    <nameOfIssuer>BANK NEW YORK MELLON CORP   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>064058100</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
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    <nameOfIssuer>BANK OF AMERICA CORPORATION COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>060505104</cusip>
    <value>116</value>
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    <nameOfIssuer>BAXTER INTL INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>071813109</cusip>
    <value>378</value>
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      <Sole>3281</Sole>
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      <None>1200</None>
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    <nameOfIssuer>BCE INC COM NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>05534B760</cusip>
    <value>27</value>
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      <sshPrnamt>600</sshPrnamt>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670108</cusip>
    <value>771</value>
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      <sshPrnamt>2</sshPrnamt>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670702</cusip>
    <value>3835</value>
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    <votingAuthority>
      <Sole>13612</Sole>
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      <None>1401</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>084670702</cusip>
    <value>3</value>
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    <nameOfIssuer>BHP BILLITON LIMITED ADR</nameOfIssuer>
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    <cusip>088606108</cusip>
    <value>139</value>
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      <Sole>2000</Sole>
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    <nameOfIssuer>BLACK HILLS CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>092113109</cusip>
    <value>100</value>
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      <sshPrnamt>1500</sshPrnamt>
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    <nameOfIssuer>BLACKBERRY LTD              COM</nameOfIssuer>
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    <cusip>09228F103</cusip>
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      <sshPrnamt>609</sshPrnamt>
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    <votingAuthority>
      <Sole>609</Sole>
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    <nameOfIssuer>BLACKLINE INC               COM</nameOfIssuer>
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    <cusip>09239B109</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>561</sshPrnamt>
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      <Sole>561</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK, INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09247X101</cusip>
    <value>6757</value>
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      <sshPrnamt>8962</sshPrnamt>
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      <Sole>8858</Sole>
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    <nameOfIssuer>BLACKROCK, INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09247X101</cusip>
    <value>91</value>
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      <sshPrnamt>121</sshPrnamt>
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      <Sole>121</Sole>
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    <nameOfIssuer>BLACKSTONE GROUP INC        COM</nameOfIssuer>
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    <cusip>09260D107</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
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      <Sole>1500</Sole>
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    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
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    <cusip>097023105</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>904</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>904</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOOKING HOLDINGS INC        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>09857L108</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>139</Sole>
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      <None>30</None>
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    <nameOfIssuer>BOSTON SCIENTIFIC CORP      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>101137107</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
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    <votingAuthority>
      <Sole>53</Sole>
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      <None>0</None>
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    <nameOfIssuer>BP AMOCO PLC                SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>055622104</cusip>
    <value>37</value>
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      <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>BRIGHTHOUSE FINL INC        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>10922N103</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>110122108</cusip>
    <value>654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9906</Sole>
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      <None>450</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRITISH AMERICAN TOBACCO</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>110448107</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>367</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>11135F101</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>885</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOK AUTOMATION INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>114340102</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1790</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>1790</None>
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  <infoTable>
    <nameOfIssuer>CARMAX INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>143130102</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>14448C104</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1152</Sole>
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      <None>160</None>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>149123101</cusip>
    <value>230</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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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>149123101</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CDK GLOBAL INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12508E101</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>711</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LTORD</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>M22465104</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>130</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHEMED CORP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>16359R103</cusip>
    <value>184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHEMED CORP INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>16359R103</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHEMOURS CO                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>163851108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>166764100</cusip>
    <value>619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5256</Sole>
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      <None>650</None>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED               COM</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>407</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC.</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>171340102</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>CIGNA CORP NEW              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>125523100</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>189</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>17275R102</cusip>
    <value>8586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>156449</Sole>
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      <None>9623</None>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>17275R102</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>448</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>172967424</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>331</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CLOROX CO DEL               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>189054109</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>143</Sole>
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      <None>139</None>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>988</sshPrnamt>
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    <votingAuthority>
      <Sole>988</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>191216100</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10076</sshPrnamt>
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      <Sole>10076</Sole>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>192446102</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>4143</Sole>
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      <None>2050</None>
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  <infoTable>
    <nameOfIssuer>COHEN &amp; STEERS REIT &amp; PFD</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>19247X100</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COHEN STEERS INFRASTRUCTURE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>19248A109</cusip>
    <value>28</value>
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      <sshPrnamt>1000</sshPrnamt>
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      <Sole>1000</Sole>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>194162103</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>20030N101</cusip>
    <value>368</value>
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      <sshPrnamt>6798</sshPrnamt>
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    <votingAuthority>
      <Sole>6798</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>205887102</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONOCOPHILLIPS              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>20825C104</cusip>
    <value>98</value>
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      <sshPrnamt>1847</sshPrnamt>
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      <Sole>1847</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>21036P108</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>427</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>219350105</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9823</sshPrnamt>
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    <votingAuthority>
      <Sole>9823</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22052L104</cusip>
    <value>2</value>
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      <sshPrnamt>42</sshPrnamt>
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      <Sole>42</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160N109</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>129</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160K105</cusip>
    <value>5062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14363</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13913</Sole>
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      <None>450</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>22160K105</cusip>
    <value>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>CVS HEALTH CORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>126650100</cusip>
    <value>159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2120</Sole>
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      <None>0</None>
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    <nameOfIssuer>DANA HOLDING CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>235825205</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>0</None>
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    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>235851102</cusip>
    <value>7408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31222</Sole>
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      <None>1693</None>
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  <infoTable>
    <nameOfIssuer>DANAHER CORP DEL            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>235851102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>237194105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>18</None>
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    <nameOfIssuer>DELL TECHNOLOGIES INC       CL C</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>24703L202</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>DENTSPLY SIRONA INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>24906P109</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2200</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIAGEO PLC SPN ADR NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>815</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIGITAL RLTY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>253868103</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>166</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254709108</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99</Sole>
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      <None>0</None>
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    <nameOfIssuer>DISNEY WALT CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>254687106</cusip>
    <value>705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3819</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2069</Sole>
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      <None>1750</None>
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  <infoTable>
    <nameOfIssuer>DOLLAR GENERAL CORP NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>256677105</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
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    <votingAuthority>
      <Sole>43</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>25746U109</cusip>
    <value>182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2402</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2402</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOUBLELINE OPPORTUNISTIC CR</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>258623107</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOW INC                     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>260557103</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>475</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW COM    NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26441C204</cusip>
    <value>6603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67620</Sole>
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      <None>784</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW COM    NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26441C204</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26614N102</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>DXC TECHNOLOGY CO           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>23355L106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
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    <nameOfIssuer>EASTMAN KODAK CO            COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>277461406</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>100</Sole>
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    <cusip>G29183103</cusip>
    <value>34</value>
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    <nameOfIssuer>EATON VANCE TAX MANAGED</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>27828Y108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
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    <cusip>278865100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2720</sshPrnamt>
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    <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>278865100</cusip>
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      <sshPrnamt>298</sshPrnamt>
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    <nameOfIssuer>ELANCO ANIMAL HEALTH INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>28414H103</cusip>
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      <sshPrnamt>900</sshPrnamt>
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      <Sole>900</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELECTRONIC ARTS INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>285512109</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>291011104</cusip>
    <value>1029</value>
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      <sshPrnamt>11409</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10973</Sole>
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    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>29250N105</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>246</Sole>
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    <nameOfIssuer>ENSIGN GROUP INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>29358P101</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>318</Sole>
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    <nameOfIssuer>EOG RES INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>26875P101</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
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    <nameOfIssuer>ESSENTIAL UTILS INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>29670G102</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3625</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3625</Sole>
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    <nameOfIssuer>EVERGY INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30034W106</cusip>
    <value>60</value>
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      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>EVERSOURCE ENERGY           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30040W108</cusip>
    <value>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2065</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2065</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30161N101</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>404</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
    <value>7554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135304</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>132603</Sole>
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      <None>2701</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30231G102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2190</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FACEBOOK</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>30303M102</cusip>
    <value>515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1750</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FASTENAL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>311900104</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1334</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1334</Sole>
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    <cusip>31428X106</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>FIDELITY NATL INFORMATION   SVCS INC COM</nameOfIssuer>
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    <cusip>31620M106</cusip>
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    <cusip>31816Q101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
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    <nameOfIssuer>FIRST FINL BANCORP OHIO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>320209109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1111</sshPrnamt>
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    <nameOfIssuer>FIRST REP BK SAN FRANCISCO CCOM</nameOfIssuer>
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    <cusip>33616C100</cusip>
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    <cusip>337932107</cusip>
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    <cusip>337738108</cusip>
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    <cusip>33829M101</cusip>
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    <cusip>34354P105</cusip>
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    <cusip>345370860</cusip>
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    <shrsOrPrnAmt>
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    <cusip>34959J108</cusip>
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    <nameOfIssuer>FREEPORT-MCMORAN INC        CL B</nameOfIssuer>
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    <cusip>35671D857</cusip>
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    <shrsOrPrnAmt>
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    <cusip>360271100</cusip>
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    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>363576109</cusip>
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    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer>
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    <cusip>363576109</cusip>
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    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC  COM</nameOfIssuer>
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    <cusip>36467J108</cusip>
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    <nameOfIssuer>GARTNER INC                 COM</nameOfIssuer>
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    <cusip>366651107</cusip>
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    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
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    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
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    <cusip>369550108</cusip>
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    <nameOfIssuer>GENERAL ELECTRIC CO         COM</nameOfIssuer>
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    <cusip>369604103</cusip>
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    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
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    <cusip>370334104</cusip>
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    <cusip>371901109</cusip>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR        ACTIVEBETA INT</nameOfIssuer>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR        EQUITY ETF</nameOfIssuer>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
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    <nameOfIssuer>GRAINGER W W INC            COM</nameOfIssuer>
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    <cusip>384802104</cusip>
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    <nameOfIssuer>HAEMONETICS CORP MASS</nameOfIssuer>
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    <nameOfIssuer>HARLEY DAVIDSON INC         COM</nameOfIssuer>
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    <cusip>412822108</cusip>
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    <nameOfIssuer>HARTFORD FINL SVCS GROUP INCCOM</nameOfIssuer>
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    <cusip>416515104</cusip>
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    <nameOfIssuer>HAWAIIAN ELEC INDUSTRIES    COM</nameOfIssuer>
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    <nameOfIssuer>HCA HOLDINGS INC</nameOfIssuer>
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    <cusip>40412C101</cusip>
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      <sshPrnamt>278</sshPrnamt>
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    <nameOfIssuer>HEALTHCARE SVCS GROUP INC   COM</nameOfIssuer>
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    <cusip>421906108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1417</sshPrnamt>
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      <Sole>1417</Sole>
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    <nameOfIssuer>HEICO CORP NEW              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>422806109</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592</sshPrnamt>
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      <Sole>592</Sole>
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    <nameOfIssuer>HENRY JACK &amp; ASSOC INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>426281101</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>427866108</cusip>
    <value>304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>42809H107</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>437076102</cusip>
    <value>9206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29911</Sole>
      <Shared>0</Shared>
      <None>248</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>437076102</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>438516106</cusip>
    <value>7977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35920</Sole>
      <Shared>0</Shared>
      <None>829</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>438516106</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>440452100</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IAC INTERACTIVECORP NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>44891N109</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>451107106</cusip>
    <value>5</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>IDEXX LABS INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45168D104</cusip>
    <value>69</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45168D104</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IHS MARKIT LTD              SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G47567105</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1081</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452308109</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>452327109</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45687V106</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>87</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>2390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31334</Sole>
      <Shared>0</Shared>
      <None>6005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>458140100</cusip>
    <value>125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE INCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45866F104</cusip>
    <value>2882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24479</Sole>
      <Shared>0</Shared>
      <None>1331</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE INCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>45866F104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>1890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13621</Sole>
      <Shared>0</Shared>
      <None>562</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>459200101</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>460146103</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC      COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46120E602</cusip>
    <value>2262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3021</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC      COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46120E602</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR IIS&amp;P 500 REVENUE</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46138G698</cusip>
    <value>33872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>485960</Sole>
      <Shared>44</Shared>
      <None>1237</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR IIS&amp;P 500 REVENUE</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46138G698</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR IIS&amp;P SMALLCAP 600</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>46138G664</cusip>
    <value>214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1743</Sole>
      <Shared>0</Shared>
      <None>134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR IIS&amp;P ULTRA DIVIDE</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46138G656</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR PFD ETF</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>46138E511</cusip>
    <value>5197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>344112</Sole>
      <Shared>0</Shared>
      <None>2342</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR PFD ETF</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>46138E511</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR S&amp;P500 LOW VOL</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46138E354</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR SR LN ETF</nameOfIssuer>
    <titleOfClass>ALTERNATIVES-ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1710</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR              UNIT SER 1</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46090E103</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>12331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42255</Sole>
      <Shared>0</Shared>
      <None>5123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     CORE S&amp;P SCP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>1595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14096</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     S&amp;P 500 GRWT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     SP SMCP600VL ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5790</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA ESG SLCT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464288802</cusip>
    <value>7959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90470</Sole>
      <Shared>168</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES                     USA ESG SLCT ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464288802</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YEAR TREASURY   BOND - ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BARCLAYS 7-10YR     TSY BOND FD - ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287440</cusip>
    <value>96</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 DOW JONES SELECT DIVINDEX FD - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>1141</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>ISHARES GOLD TR             ISHARES</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464285105</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2031</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD HIGH YIELDCORPORATE BOND - E</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD INV GRADE CORPORATE BOND - E</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 CORE MSCI EMKT</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>5252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80667</Sole>
      <Shared>0</Shared>
      <None>935</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 CORE MSCI EMKT</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 ESG AWR MSCI EM</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>46434G863</cusip>
    <value>2785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64190</Sole>
      <Shared>119</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 ESG AWR MSCI EM</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>46434G863</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MBS ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MIDCAP 400 ETF      GROWTH</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>68</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>ISHARES MIDCAP 400 VALUE ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE           SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464288273</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464287465</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6052</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING       MARKETS - ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>1377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI PACIFIC        EX JAPAN - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>464286665</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE  INDEX FUND ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>4024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8807</Sole>
      <Shared>0</Shared>
      <None>4573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        GROWTH - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000        VALUE - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 -ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>642</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S &amp; P 500 VALUE     INDEX FUND - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 INDX FD-ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1376</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46432F842</cusip>
    <value>7657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>106288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  CORE US AGGBD ET</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI EAFE MIN VL</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>2557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI EAFE MIN VL</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI USA MIN VOL</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>27795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400798</Sole>
      <Shared>34</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  MSCI USA MIN VOL</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL          1000 GRW - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TRUST - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>135</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>ISHS RUSSELL MIDCAP INDX ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHS S &amp; P VALUE - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>464287663</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
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    <votingAuthority>
      <Sole>790</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHS TSY BD 3-7 YR ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>464288661</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>490</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED FBETABULDRS CDA</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46641Q696</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1963</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED FBETBULD EUROPE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46641Q720</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4180</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED FBETBULD JAPAN</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46641Q712</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3702</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JOHN HANCOCK EXCHANGE TRADEDMULTIFACTOR HE</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>47804J503</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>987</Sole>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478160104</cusip>
    <value>2073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12213</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>478160104</cusip>
    <value>189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1149</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC       SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G51502105</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>154</Sole>
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      <None>0</None>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>10124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63969</Sole>
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      <None>2537</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>46625H100</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>316</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KELLOGG CO                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>487836108</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>48</None>
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  <infoTable>
    <nameOfIssuer>KEYCORP NEW                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>493267108</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1480</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>KIMBERLY-CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>494368103</cusip>
    <value>5035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35477</Sole>
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      <None>736</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>494368103</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>369</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>49714P108</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>KRAFT HEINZ CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>500754106</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>195</Sole>
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      <None>0</None>
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    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>502431109</cusip>
    <value>175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>861</Sole>
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      <None>0</None>
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    <nameOfIssuer>LAS VEGAS SANDS CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>517834107</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>LEAR CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>521865204</cusip>
    <value>5</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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    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>532457108</cusip>
    <value>8095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42739</Sole>
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      <None>595</None>
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  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>532457108</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>328</Sole>
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      <None>0</None>
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    <nameOfIssuer>LINDE PLC                   SHS</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G5494J103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34</Sole>
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      <None>0</None>
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    <nameOfIssuer>LINDSAY CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>535555106</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>539830109</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>103</Sole>
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      <None>6</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>539830109</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>135</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWES COS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>548661107</cusip>
    <value>1604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>6166</Sole>
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      <None>2268</None>
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    <nameOfIssuer>M&amp;T BANK CORPORATION</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>55261F104</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON PETE CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>56585A102</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>51</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARRIOTT INTL INC NEW  CLA</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>571903202</cusip>
    <value>1052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7103</sshPrnamt>
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    <votingAuthority>
      <Sole>7103</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARRIOTT VACATIONS WORLDWIDE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57164Y107</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>571748102</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>649</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>649</Sole>
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      <None>0</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED     CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>6620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18594</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18319</Sole>
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      <None>275</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED     CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
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      <Sole>18</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCCORMICK &amp; CO INC          COM NON VTG</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>579780206</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1210</sshPrnamt>
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    <votingAuthority>
      <Sole>1210</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>580135101</cusip>
    <value>7740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34532</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34153</Sole>
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      <None>379</None>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>580135101</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>687</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MCKESSON CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91</Sole>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>552690109</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
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    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
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    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3601</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3601</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCADOLIBRE INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>58733R102</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO. INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>6085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78939</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75578</Sole>
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      <None>3361</None>
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    <nameOfIssuer>MERCK &amp; CO. INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>541</Sole>
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      <None>0</None>
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    <nameOfIssuer>METLIFE INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>59156R108</cusip>
    <value>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1413</Sole>
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      <None>1150</None>
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    <nameOfIssuer>MGM MIRAGE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>552953101</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>165</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>595017104</cusip>
    <value>493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3178</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>595017104</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>420</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>594918104</cusip>
    <value>26547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>106313</Sole>
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      <None>6285</None>
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    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>594918104</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1630</Sole>
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      <None>0</None>
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    <nameOfIssuer>MOLSON COORS BREWING        CO CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>60871R209</cusip>
    <value>3</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>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>609207105</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2215</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>609207105</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>338</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONSTER BEVERAGE CORP NEW   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>61174X109</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MSCI INC CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>55354G100</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14</Sole>
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      <None>0</None>
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    <nameOfIssuer>NASDAQ INC                  COM</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-MUTUAL FD</titleOfClass>
    <cusip>631103108</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>84</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NATIONAL INSTRUMENTS CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>636518102</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>791</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
    <value>1890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9985</Sole>
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      <None>37400</None>
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  <infoTable>
    <nameOfIssuer>NBT BANCORP INC             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>628778102</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3831</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEOGEN CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>640491106</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>267</Sole>
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      <None>0</None>
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    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>64110L106</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>64110L106</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
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    <votingAuthority>
      <Sole>68</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEWMONT MIN CO (HOLD CO)    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>651639106</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1000</Sole>
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    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>65339F101</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4068</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4068</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>654106103</cusip>
    <value>839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5012</Sole>
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      <None>1300</None>
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  <infoTable>
    <nameOfIssuer>NOKIA CORP PFD SPONS ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>654902204</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>200</Sole>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>666807102</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
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      <Sole>90</Sole>
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    <nameOfIssuer>NOVARTIS AG SPNSRD ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>66987V109</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3185</sshPrnamt>
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      <Sole>3185</Sole>
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    <nameOfIssuer>NUVEEN NY MUNI</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>67066X107</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10505</sshPrnamt>
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      <Sole>10505</Sole>
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    <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME COM</nameOfIssuer>
    <titleOfClass>MUNICIPAL BOND-ETF</titleOfClass>
    <cusip>67066V101</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
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      <None>0</None>
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    <nameOfIssuer>NVIDIA CORPORATION          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67066G104</cusip>
    <value>3799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7116</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6385</Sole>
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      <None>731</None>
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  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>67066G104</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
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      <Sole>94</Sole>
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    <nameOfIssuer>NXP SEMICONDUCTORS N V      COM</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
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      <Sole>23</Sole>
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    <nameOfIssuer>OCCIDENTAL PETE CORP W EXP 99/99/9999</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>674599162</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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      <Sole>2</Sole>
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      <None>0</None>
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    <nameOfIssuer>OCCIDENTAL PETE CORP DEL    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>674599105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP             COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>670837103</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68389X105</cusip>
    <value>640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9123</sshPrnamt>
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    <votingAuthority>
      <Sole>6368</Sole>
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      <None>2755</None>
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    <nameOfIssuer>OTIS WORLDWIDE CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>68902V107</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
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      <None>80</None>
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  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW           COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>690742101</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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    <votingAuthority>
      <Sole>22</Sole>
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      <None>0</None>
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    <nameOfIssuer>PACKAGING CORP AMER         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>695156109</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>140</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>704326107</cusip>
    <value>375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3828</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>70432V102</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>215</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>10348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42615</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40438</Sole>
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      <None>2177</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>19</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PENN NATL GAMING INC        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>707569109</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>6775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46619</Sole>
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      <None>1283</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>713448108</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>555</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>717081103</cusip>
    <value>757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14159</Sole>
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      <None>6736</None>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>718172109</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3784</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO DYNAMIC CREDIT</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>72202D106</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1320</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR                ENHAN SHRT MA AC</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>72201R833</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>693475105</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>149</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INDS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>731068102</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELECTRIC CO</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>736508847</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>693506107</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118</Sole>
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      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>69351T106</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1227</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE &amp; ASSOCIATES   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74144T108</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>742718109</cusip>
    <value>2204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15250</Sole>
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      <None>1025</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74340W103</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>474</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROTO LABS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>743713109</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>161</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74460D109</cusip>
    <value>4171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16903</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16610</Sole>
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      <None>293</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74460D109</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
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      <Sole>88</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP INCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>5974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99235</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98114</Sole>
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      <None>1121</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP INCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>744573106</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>580</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>747525103</cusip>
    <value>159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC       COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>74834L100</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
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      <Sole>700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>75513E101</cusip>
    <value>192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2481</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1388</Sole>
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      <None>1093</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS   COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>75886F107</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
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    <votingAuthority>
      <Sole>15</Sole>
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      <None>0</None>
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    <nameOfIssuer>RITCHIE BROS INC</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>767744105</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1226</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1226</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROLLINS INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>775711104</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1720</sshPrnamt>
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      <Sole>1720</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONSD ADR A</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>780259206</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3030</sshPrnamt>
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      <Sole>0</Sole>
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      <None>3030</None>
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    <nameOfIssuer>S &amp; P DEP RECEIPTS - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5818</sshPrnamt>
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      <Sole>5818</Sole>
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      <None>0</None>
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    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1246</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1246</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>79466L302</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>347</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC    COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>803607100</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>806857108</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>808513105</cusip>
    <value>406</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>SCHWAB STRATEGIC TR         EMRG MKTEQ ETF</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SECTOR SPDR TR FD HLTH - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SECTOR SPDR TRUST - ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SECTOR SPDRTR SCTR TR ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       RL EST SEL SEC</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR       SBI CONS STPLS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>102</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>SELECT SPDR FINANCE ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SPECTOR SPDR ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GRP INC       C/C</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>816300107</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81762P102</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>81762P102</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>83088M102</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>831865209</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>842587107</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVG- ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78467X109</cusip>
    <value>115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS - ETF</nameOfIssuer>
    <titleOfClass>ALTERNATIVES-ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1536</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S &amp; P DIVIDEND - ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 BLOOMBERG BRCLYS</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>78468R622</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 PRTFLO S&amp;P500 HI</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>78468R788</cusip>
    <value>123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 S&amp;P 600 SMCP VAL</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>78464A300</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                 S&amp;P REGL BKG</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>78464A698</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           WELLS FG PFD ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>78464A292</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2321</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVETR UNIT</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>85208R101</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD TRUST  UNIT</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>85207H104</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL SILVER TR   TR UNIT</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>85207K107</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>854502101</cusip>
    <value>755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>3258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29438</Sole>
      <Shared>0</Shared>
      <None>380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>855244109</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>857477103</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>3355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13153</Sole>
      <Shared>0</Shared>
      <None>622</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>863667101</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>867224107</cusip>
    <value>2</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>SUNRUN INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>86771W105</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>871829107</cusip>
    <value>9</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>TAIWAN SEMICONDUCTOR ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>874039100</cusip>
    <value>142</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>TANGER FACTORY OUTLET CTRS ICOM</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>875465106</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
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    <cusip>89832Q109</cusip>
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    <cusip>902252105</cusip>
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    <nameOfIssuer>TYSON FOODS INC             CL A</nameOfIssuer>
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    <cusip>902494103</cusip>
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    <cusip>902681105</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>UNILEVER PLC AMER SHS ADR</nameOfIssuer>
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    <cusip>904767704</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>907818108</cusip>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>911312106</cusip>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC   CL B</nameOfIssuer>
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    <cusip>911312106</cusip>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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    <cusip>91324P102</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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    <cusip>91324P102</cusip>
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    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>902973304</cusip>
    <value>15</value>
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    <votingAuthority>
      <Sole>271</Sole>
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    <nameOfIssuer>USX-U S STL                 COM</nameOfIssuer>
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    <cusip>912909108</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
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      <Sole>200</Sole>
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    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
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    <cusip>91913Y100</cusip>
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    <nameOfIssuer>VANECK VECTORS ETF TR       FALLEN ANGEL HG</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND-ETF</titleOfClass>
    <cusip>92189F437</cusip>
    <value>137</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>4285</Sole>
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    <nameOfIssuer>VANECK VECTORS ETF TR       MTG REIT INCOME</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>92189F452</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC    500 GRTH IDX F</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>921932505</cusip>
    <value>2014</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>VANGUARD BD IND FD - ETF</nameOfIssuer>
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    <cusip>921937793</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>VANGUARD BD IND FD ETF</nameOfIssuer>
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    <cusip>921937835</cusip>
    <value>6495</value>
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    <votingAuthority>
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    <nameOfIssuer>VANGUARD BD IND INT ETF</nameOfIssuer>
    <titleOfClass>LONG/INTERMEDIATE BOND-ETF</titleOfClass>
    <cusip>921937819</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
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    <nameOfIssuer>VANGUARD CHARLOTTE FDS      INTL BD IDX ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL BOND ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>18</value>
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      <sshPrnamt>308</sshPrnamt>
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      <Sole>308</Sole>
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    <nameOfIssuer>VANGUARD DIV APPREC ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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      <Sole>200</Sole>
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    <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92204A504</cusip>
    <value>125</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>547</Sole>
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    <nameOfIssuer>VANGUARD INDEX FDS          GROWTH ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>VANGUARD INDEX FDS          REAL ESTATE ETF</nameOfIssuer>
    <titleOfClass>REAL ESTATE-ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>1430</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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    <nameOfIssuer>VANGUARD INDEX FDS          S&amp;P 500 ETF SHS</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>922908363</cusip>
    <value>20844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57217</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          VALUE ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>401</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY        INDEX - ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042858</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>686</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX  FD ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042775</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>315</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FFTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>922042874</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1919</Sole>
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      <None>2948</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD M SHORT TERM       INFT PROTECTED E</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>922020805</cusip>
    <value>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3481</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3481</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD MID CAP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3490</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SCOTTSDALE FDS     MORTG-BACK SEC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92206C771</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>176</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SHORT TERM BD ETF</nameOfIssuer>
    <titleOfClass>SHORT-TERM BOND-ETF</titleOfClass>
    <cusip>921937827</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>263</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>1514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7072</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SMALL CAP GRWTH ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP VAL ETF</nameOfIssuer>
    <titleOfClass>SMALL/MID CAP-ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>17</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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    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FDFTSE DEV MKT ETF</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>921943858</cusip>
    <value>12748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259580</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>259580</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD TOT STK MKT VIPERS ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>922908769</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WHITEHALL HIGH DIV YLD - ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>921946406</cusip>
    <value>76</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>
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    <nameOfIssuer>VANGUARD WORLD FD           MEGA GRWTH IND</nameOfIssuer>
    <titleOfClass>LARGE CAP-ETF</titleOfClass>
    <cusip>921910816</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
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    <votingAuthority>
      <Sole>50</Sole>
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    <nameOfIssuer>VANGUARD WORLD FDS          INDUSTRIAL ETF</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92204A603</cusip>
    <value>189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VEEVA SYS INC               CL A COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>922475108</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>301</Sole>
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      <None>0</None>
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    <nameOfIssuer>VERISK ANALYTICS INC        COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>345</Sole>
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      <None>0</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92343V104</cusip>
    <value>7673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131948</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>129956</Sole>
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      <None>1992</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92343V104</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>671</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>671</Sole>
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    <nameOfIssuer>VIACOMCBS INC               CL B</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92556H206</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>VIATRIS INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92556V106</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2024</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1189</Sole>
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      <None>835</None>
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    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92826C839</cusip>
    <value>460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2174</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2174</Sole>
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    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92826C839</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193</sshPrnamt>
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    <votingAuthority>
      <Sole>193</Sole>
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    <nameOfIssuer>VODAFONE GROUP PLC NEW      SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>92857W308</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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    <nameOfIssuer>VONTIER CORPORATION         COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>928881101</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1034</sshPrnamt>
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    <votingAuthority>
      <Sole>1034</Sole>
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      <None>0</None>
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    <nameOfIssuer>W P CAREY INC</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>92936U109</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>405</Sole>
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      <None>0</None>
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    <nameOfIssuer>WABTEC CORP</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>929740108</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>126</Sole>
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    <nameOfIssuer>WALGREENS BTS ALL</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931427108</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>WALMART INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>931142103</cusip>
    <value>8323</value>
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      <sshPrnamt>61277</sshPrnamt>
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    <votingAuthority>
      <Sole>60201</Sole>
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    <nameOfIssuer>WALMART INC                 COM</nameOfIssuer>
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    <cusip>931142103</cusip>
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      <Sole>481</Sole>
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    <nameOfIssuer>WASTE MGMT INC DEL          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>94106L109</cusip>
    <value>6797</value>
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      <sshPrnamt>52682</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>WASTE MGMT INC DEL          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>94106L109</cusip>
    <value>8</value>
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    <nameOfIssuer>WELLS FARGO CO NEW          COM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>949746101</cusip>
    <value>267</value>
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    <votingAuthority>
      <Sole>6838</Sole>
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    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INCCOM</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>955306105</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>258</sshPrnamt>
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      <Sole>258</Sole>
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    <nameOfIssuer>WISDOMTREE TR               EM EX ST-OWNED</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717X578</cusip>
    <value>29062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>714431</sshPrnamt>
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      <Sole>705937</Sole>
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    <nameOfIssuer>WISDOMTREE TR               EM EX ST-OWNED</nameOfIssuer>
    <titleOfClass>EMERGING MARKETS-ETF</titleOfClass>
    <cusip>97717X578</cusip>
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    <shrsOrPrnAmt>
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      <Sole>338</Sole>
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    <nameOfIssuer>WISDOMTREE TR               EUROPE HEDGED EQ</nameOfIssuer>
    <titleOfClass>INTERNATIONAL</titleOfClass>
    <cusip>97717X701</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2054</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>WISDOMTREE TR               US TOTAL DIVIDND</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>97717W109</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
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    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>98956P102</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ZOETIS INC                  CL A</nameOfIssuer>
    <titleOfClass>EQUITIES/EXCHANGE TRADED FUNDS</titleOfClass>
    <cusip>98978V103</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
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</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
