<SEC-DOCUMENT>0001999371-24-000170.txt : 20240108
<SEC-HEADER>0001999371-24-000170.hdr.sgml : 20240108
<ACCEPTANCE-DATETIME>20240108092150
ACCESSION NUMBER:		0001999371-24-000170
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240108
DATE AS OF CHANGE:		20240108
EFFECTIVENESS DATE:		20240108

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TOMPKINS FINANCIAL CORP
		CENTRAL INDEX KEY:			0001005817
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		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:		24518649

	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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<SEQUENCE>1
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          <cik>0001005817</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2023</periodOfReport>
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        <name>TOMPKINS FINANCIAL CORP</name>
        <address>
          <ns1:street1>118 E. Seneca Street</ns1:street1>
          <ns1:street2>PO Box 460</ns1:street2>
          <ns1:city>Ithaca</ns1:city>
          <ns1:stateOrCountry>NY</ns1:stateOrCountry>
          <ns1:zipCode>14850</ns1:zipCode>
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    <signatureBlock>
      <name>Lisa Donnelly</name>
      <title>Trust Operations Manager</title>
      <phone>607-274-7443</phone>
      <signature>/s/ Lisa Donnelly, Trust Operations Manager</signature>
      <city>Ithica</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>01-04-2023</signatureDate>
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      <sshPrnamt>16599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15926</Sole>
      <Shared>0</Shared>
      <None>673</None>
    </votingAuthority>
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    <nameOfIssuer>Adobe Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00724F101</cusip>
    <value>261907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>430</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Adobe Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00724F101</cusip>
    <value>6838229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10998</Sole>
      <Shared>0</Shared>
      <None>464</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Aflac Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>103125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1250</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Aflac Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>228443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Air Products and Chemicals Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>428771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1566</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Air Products and Chemicals Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>47915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Albertsons Cos Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>013091103</cusip>
    <value>3128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Alcoa Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>013872106</cusip>
    <value>68000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
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    <nameOfIssuer>Algonquin Power &amp; Utilities Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>015857105</cusip>
    <value>632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
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    <nameOfIssuer>Allstate Corp/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>6159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Allstate Corp/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>1820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>Alphabet Inc</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>6060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Alphabet Inc</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>670122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Alps Closed End Funds/USA</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>530158104</cusip>
    <value>13398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2100</None>
    </votingAuthority>
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    <nameOfIssuer>Amazon.com Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>330318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>434</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amazon.com Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>10544940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66012</Sole>
      <Shared>0</Shared>
      <None>3390</None>
    </votingAuthority>
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    <nameOfIssuer>American Airlines Group Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02376R102</cusip>
    <value>10786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>785</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>American Electric Power Co Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
    <value>88205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1086</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>American Electric Power Co Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
    <value>2031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>American Software Inc/GA</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>029683109</cusip>
    <value>35030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Tower Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>118734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Tower Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>2806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>American Water Works Co Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>030420103</cusip>
    <value>4884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>American Water Works Co Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>030420103</cusip>
    <value>6102030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45309</Sole>
      <Shared>0</Shared>
      <None>922</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ameriprise Financial Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03076C106</cusip>
    <value>60393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>159</None>
    </votingAuthority>
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    <nameOfIssuer>Amgen Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>184621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amgen Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>9213184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30568</Sole>
      <Shared>0</Shared>
      <None>1420</None>
    </votingAuthority>
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    <nameOfIssuer>Amphenol Corp</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>032095101</cusip>
    <value>52043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Annaly Capital Management Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>035710839</cusip>
    <value>87165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4500</None>
    </votingAuthority>
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    <nameOfIssuer>Apollo Commercial Real Estate</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03762U105</cusip>
    <value>11740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Apple Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>3440896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3138</Sole>
      <Shared>0</Shared>
      <None>14734</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Apple Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>37535841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>194961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>185561</Sole>
      <Shared>0</Shared>
      <None>9400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Aptiv PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G6095L109</cusip>
    <value>17944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ArcBest Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03937C105</cusip>
    <value>6011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Archer-Daniels-Midland Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>039483102</cusip>
    <value>27010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ares Commercial Real Estate Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04013V108</cusip>
    <value>10464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Arlo Technologies Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04206A101</cusip>
    <value>3770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Arthur J Gallagher &amp; Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>255014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>1091</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Arthur J Gallagher &amp; Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>363576109</cusip>
    <value>11372182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49975</Sole>
      <Shared>0</Shared>
      <None>595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ashland Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>044186104</cusip>
    <value>290195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3442</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>Autoliv Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>052800109</cusip>
    <value>661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
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  <infoTable>
    <nameOfIssuer>Azenta Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>114340102</cusip>
    <value>39084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>071813109</cusip>
    <value>38660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
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  <infoTable>
    <nameOfIssuer>BCE Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>05534B760</cusip>
    <value>15752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BCE Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>05534B760</cusip>
    <value>3782134</value>
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      <sshPrnamt>96042</sshPrnamt>
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    <votingAuthority>
      <Sole>96042</Sole>
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      <None>0</None>
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    <nameOfIssuer>BECTON DICKINSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
    <value>61933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>254</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BEST BUY CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>086516101</cusip>
    <value>97850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1250</None>
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  <infoTable>
    <nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>219259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6512</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6512</None>
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  <infoTable>
    <nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>5455</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BK OF MONTREAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>063671101</cusip>
    <value>98940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BK OF NOVA SCOTIA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>064149107</cusip>
    <value>63297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1300</None>
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  <infoTable>
    <nameOfIssuer>BK OF NY MELLON CP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>064058100</cusip>
    <value>64542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1240</None>
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  <infoTable>
    <nameOfIssuer>BK OF NY MELLON CP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>064058100</cusip>
    <value>6506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>165519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>635</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>36232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>10195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>288</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>53100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINANCIAL INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>10922N103</cusip>
    <value>794</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-MYRS SQUIB</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>208780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4069</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1839</Sole>
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      <None>2230</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYRS SQUIB</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>398679</value>
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      <sshPrnamt>7770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7770</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRITISH AMERICAN TOBACCO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>110448107</cusip>
    <value>2929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
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  <infoTable>
    <nameOfIssuer>BRITISH AMERICAN TOBACCO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>110448107</cusip>
    <value>10749</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>
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  <infoTable>
    <nameOfIssuer>Bar Harbor Bankshares</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>066849100</cusip>
    <value>48444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1650</None>
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  <infoTable>
    <nameOfIssuer>Bath &amp; Body Works Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>070830104</cusip>
    <value>12948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
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  <infoTable>
    <nameOfIssuer>Bausch Health Cos Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>071734107</cusip>
    <value>5053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>630</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Beam Global</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>07373B109</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>13196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
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      <None>7</None>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>7154243</value>
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      <sshPrnamt>20059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18411</Sole>
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      <None>1648</None>
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  <infoTable>
    <nameOfIssuer>Beyond Meat Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>08862E109</cusip>
    <value>757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>85</None>
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  <infoTable>
    <nameOfIssuer>Biogen Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09062X103</cusip>
    <value>20960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Black Hills Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>092113109</cusip>
    <value>59345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>None</titleOfClass>
    <cusip>464286251</cusip>
    <value>1986</value>
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      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI JAPN SMCETF</titleOfClass>
    <cusip>464286582</cusip>
    <value>27008</value>
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      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>375</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>NORTH AMERN NAT</titleOfClass>
    <cusip>464287374</cusip>
    <value>162880</value>
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      <sshPrnamt>4000</sshPrnamt>
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      <Sole>4000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>20 YR TR BD ETF</titleOfClass>
    <cusip>464287432</cusip>
    <value>3164</value>
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      <sshPrnamt>32</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>67815</value>
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      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>900</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>1249906</value>
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      <sshPrnamt>16588</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16588</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>41784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>127755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1223</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1223</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>535016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6883</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6883</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>1572826</value>
    <shrsOrPrnAmt>
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      <None>5565</None>
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      <None>5047</None>
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      <None>4573</None>
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      <None>0</None>
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    <votingAuthority>
      <Sole>557</Sole>
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      <None>0</None>
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      <None>0</None>
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      <None>917</None>
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      <None>600</None>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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    <votingAuthority>
      <Sole>16485</Sole>
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      <None>10</None>
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  <infoTable>
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    <votingAuthority>
      <Sole>261</Sole>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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    <votingAuthority>
      <Sole>27</Sole>
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    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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    <cusip>46429B697</cusip>
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      <Sole>62830</Sole>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
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    <votingAuthority>
      <Sole>131</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
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    <votingAuthority>
      <Sole>79</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI USA VALUE</titleOfClass>
    <cusip>46432F388</cusip>
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      <sshPrnamt>128</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>128</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>270856</value>
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      <sshPrnamt>5355</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5355</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>2990290</value>
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      <sshPrnamt>59120</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58310</Sole>
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      <None>810</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI EMRG CHN</titleOfClass>
    <cusip>46434G764</cusip>
    <value>1995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI SINGPOR ETF</titleOfClass>
    <cusip>46434G780</cusip>
    <value>18700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>MSCI JPN ETF NEW</titleOfClass>
    <cusip>46434G822</cusip>
    <value>25656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM</titleOfClass>
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    <value>2713366</value>
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      <sshPrnamt>84634</sshPrnamt>
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    <votingAuthority>
      <Sole>84510</Sole>
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      <None>124</None>
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    <titleOfClass>CORE TOTAL USD</titleOfClass>
    <cusip>46434V613</cusip>
    <value>8845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192</sshPrnamt>
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    <votingAuthority>
      <Sole>192</Sole>
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      <None>0</None>
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    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>TRS FLT RT BD</titleOfClass>
    <cusip>46434V860</cusip>
    <value>3482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
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    <votingAuthority>
      <Sole>69</Sole>
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      <None>0</None>
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    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>ROBOTICS ARTIF</titleOfClass>
    <cusip>46435U556</cusip>
    <value>863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>25</None>
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    <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
    <titleOfClass>US INFRASTRUC</titleOfClass>
    <cusip>46435U713</cusip>
    <value>1248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
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      <Sole>31</Sole>
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      <None>0</None>
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    <nameOfIssuer>BlackRock Funds/Closed-End/USA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09255C106</cusip>
    <value>143220</value>
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      <sshPrnamt>13627</sshPrnamt>
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      <Sole>0</Sole>
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      <None>13627</None>
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    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>186714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>78</Sole>
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      <None>152</None>
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  <infoTable>
    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>8837255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10886</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10793</Sole>
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      <None>93</None>
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    <nameOfIssuer>Blackstone Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>196380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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    <nameOfIssuer>Block Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>852234103</cusip>
    <value>2707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blue Owl Capital Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69121K104</cusip>
    <value>14243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>965</None>
    </votingAuthority>
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    <nameOfIssuer>Booking Holdings Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>205739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
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      <None>30</None>
    </votingAuthority>
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    <nameOfIssuer>Boston Scientific Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>101137107</cusip>
    <value>545090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BrightSpire Capital Inc</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>10949T109</cusip>
    <value>117552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15800</None>
    </votingAuthority>
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    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>83719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>33488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Broadstone Net Lease Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135E203</cusip>
    <value>2000809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>116191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Brookfield Corp</nameOfIssuer>
    <titleOfClass>CL A LTD VT SH</titleOfClass>
    <cusip>11271J107</cusip>
    <value>722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
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  <infoTable>
    <nameOfIssuer>Brookfield Corp</nameOfIssuer>
    <titleOfClass>CL A LMT VTG SHS</titleOfClass>
    <cusip>113004105</cusip>
    <value>161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>4</None>
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    <nameOfIssuer>Brookfield Renewable Partners</nameOfIssuer>
    <titleOfClass>CL A SUB VTG</titleOfClass>
    <cusip>11284V105</cusip>
    <value>12524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>435</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Brookfield Renewable Partners</nameOfIssuer>
    <titleOfClass>PARTNERSHIP UNIT</titleOfClass>
    <cusip>G16258108</cusip>
    <value>15768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>600</None>
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  <infoTable>
    <nameOfIssuer>C&amp;F Financial Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12466Q104</cusip>
    <value>6819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>CALEDONIA MINING.C</nameOfIssuer>
    <titleOfClass>SHS NEW</titleOfClass>
    <cusip>G1757E113</cusip>
    <value>2440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>13501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>235</None>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>15626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>272</Sole>
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      <None>0</None>
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    <nameOfIssuer>CDN NATL RAILWAYS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>25126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CHARLES SCHWAB INVESTMENT MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>28434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1147</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1147</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHARLES SCHWAB INVESTMENT MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>60904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHARLES SCHWAB INVESTMENT MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>8679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>114</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CHARLES SCHWAB INVESTMENT MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>9814</value>
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      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>188</None>
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    <nameOfIssuer>CHUBB LIMITED COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>42714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>189</Sole>
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      <None>0</None>
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    <nameOfIssuer>CIBC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136069101</cusip>
    <value>96280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
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    <nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>777755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1486</Sole>
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      <None>13909</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>10508665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>197770</Sole>
      <Shared>0</Shared>
      <None>10240</None>
    </votingAuthority>
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    <nameOfIssuer>CME Group Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>94770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME Group Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>21060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>192446102</cusip>
    <value>9819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>192446102</cusip>
    <value>208765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>714</Sole>
      <Shared>0</Shared>
      <None>2050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE-PALMOLIVE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>374637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA FOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>205887102</cusip>
    <value>68784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA FOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>205887102</cusip>
    <value>9830</value>
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      <None>2258</None>
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    <votingAuthority>
      <Sole>1931</Sole>
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      <None>0</None>
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    <nameOfIssuer>CORNING INC</nameOfIssuer>
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      <Sole>2600</Sole>
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      <None>12716</None>
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      <Sole>13222</Sole>
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    <nameOfIssuer>CRANE HOLDINGS CO</nameOfIssuer>
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      <None>5205</None>
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    <value>78012</value>
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      <sshPrnamt>988</sshPrnamt>
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    <votingAuthority>
      <Sole>988</Sole>
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      <None>0</None>
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    <nameOfIssuer>Cambria Investment Management LP</nameOfIssuer>
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    <value>8263</value>
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    <votingAuthority>
      <Sole>388</Sole>
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      <None>0</None>
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    <nameOfIssuer>Campbell Soup Co</nameOfIssuer>
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    <value>432</value>
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      <sshPrnamt>10</sshPrnamt>
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      <None>10</None>
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    <nameOfIssuer>Cantaloupe Inc</nameOfIssuer>
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    <value>6706</value>
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      <sshPrnamt>905</sshPrnamt>
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      <Sole>0</Sole>
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      <None>905</None>
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    <nameOfIssuer>Capital One Financial Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>119450</value>
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      <sshPrnamt>911</sshPrnamt>
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      <Sole>0</Sole>
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      <None>911</None>
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    <nameOfIssuer>Capital Southwest Corp</nameOfIssuer>
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      <sshPrnamt>355</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>355</None>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
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      <sshPrnamt>1874</sshPrnamt>
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    <votingAuthority>
      <Sole>84</Sole>
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      <None>1790</None>
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    <nameOfIssuer>Carpenter Technology Corp</nameOfIssuer>
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    <votingAuthority>
      <Sole>8048</Sole>
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      <None>0</None>
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    <nameOfIssuer>Casella Waste Systems Inc</nameOfIssuer>
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    <cusip>147448104</cusip>
    <value>2709424</value>
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      <sshPrnamt>31704</sshPrnamt>
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    <votingAuthority>
      <Sole>31704</Sole>
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      <None>0</None>
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    <value>681224</value>
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      <sshPrnamt>2304</sshPrnamt>
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    <votingAuthority>
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      <None>1300</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>59134</value>
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      <sshPrnamt>200</sshPrnamt>
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    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>Cencora Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>103512</value>
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      <sshPrnamt>504</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>504</Sole>
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      <None>0</None>
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    <nameOfIssuer>Cenovus Energy Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15135U109</cusip>
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      <None>1472</None>
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    <nameOfIssuer>Charles Schwab Corp/The</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>Charles Schwab Investment Management Inc</nameOfIssuer>
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      <None>2178</None>
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    <nameOfIssuer>Charles Schwab Investment Management Inc</nameOfIssuer>
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    <nameOfIssuer>Charles Schwab Investment Management Inc</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>Charles Schwab Investment Management Inc</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Charles Schwab Investment Management Inc</nameOfIssuer>
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      <sshPrnamt>120</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Charles Schwab Investment Management Inc</nameOfIssuer>
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      <sshPrnamt>232</sshPrnamt>
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    <votingAuthority>
      <Sole>232</Sole>
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      <None>0</None>
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    <nameOfIssuer>Charles Schwab Investment Management Inc</nameOfIssuer>
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    <nameOfIssuer>Charles Schwab Investment Management Inc</nameOfIssuer>
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    <nameOfIssuer>Chemed Corp</nameOfIssuer>
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      <None>0</None>
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      <sshPrnamt>244</sshPrnamt>
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      <None>244</None>
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  <infoTable>
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    <value>631</value>
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      <None>0</None>
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    <nameOfIssuer>Chemung Financial Corp</nameOfIssuer>
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      <None>800</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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      <None>4752</None>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>857372</value>
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    <votingAuthority>
      <Sole>5098</Sole>
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      <None>650</None>
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    <nameOfIssuer>Chewy Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>16679L109</cusip>
    <value>246674</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10439</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Church &amp; Dwight Co Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>171340102</cusip>
    <value>196307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2076</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2076</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Churchill Downs Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>171484108</cusip>
    <value>1349</value>
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      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>10</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>21860</value>
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      <sshPrnamt>73</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cigna Group/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>589018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Citigroup Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>172967424</cusip>
    <value>16821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Citigroup Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>172967424</cusip>
    <value>6173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Clorox Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>189054109</cusip>
    <value>690136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>701</Sole>
      <Shared>0</Shared>
      <None>4139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Clorox Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>189054109</cusip>
    <value>20390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Coca-Cola Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>970047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16461</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Coca-Cola Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>1463409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24833</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cohu Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>192576106</cusip>
    <value>4707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corp</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>20030N101</cusip>
    <value>185135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>4122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corp</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>20030N101</cusip>
    <value>244990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>144006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Constellation Brands Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>21036P108</cusip>
    <value>243442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1007</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Constellation Energy Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21037T109</cusip>
    <value>130449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Constellium SE</nameOfIssuer>
    <titleOfClass>CL A SHS</titleOfClass>
    <cusip>F21107101</cusip>
    <value>3992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Corteva Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>1006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Corteva Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>2013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>647538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>454</Sole>
      <Shared>0</Shared>
      <None>527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>8639127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12505</Sole>
      <Shared>0</Shared>
      <None>583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Crane Co</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>224408104</cusip>
    <value>10633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Crowdstrike Holdings Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>22788C105</cusip>
    <value>76596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Crown Castle Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22822V101</cusip>
    <value>239134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2076</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>382276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>956</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DHT Holdings Inc</nameOfIssuer>
    <titleOfClass>SHS NEW</titleOfClass>
    <cusip>Y2065G121</cusip>
    <value>6720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>72830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>168600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION RES(VIR)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>113740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>2120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION RES(VIR)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>56400</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>DUKE ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>411353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1577</Sole>
      <Shared>0</Shared>
      <None>2662</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>7720211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>78832</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dana Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235825205</cusip>
    <value>32142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>26373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>7729069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31612</Sole>
      <Shared>0</Shared>
      <None>1798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Corp</nameOfIssuer>
    <titleOfClass>None</titleOfClass>
    <cusip>92338C103</cusip>
    <value>2468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Corp</nameOfIssuer>
    <titleOfClass>None</titleOfClass>
    <cusip>92338C103</cusip>
    <value>36277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Darden Restaurants Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>237194105</cusip>
    <value>17087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Darden Restaurants Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>237194105</cusip>
    <value>33517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dell Technologies Inc</nameOfIssuer>
    <titleOfClass>CL C</titleOfClass>
    <cusip>24703L202</cusip>
    <value>6044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Delta Air Lines Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>247361702</cusip>
    <value>156052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3879</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Desktop Metal Inc</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>25058X105</cusip>
    <value>751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dick's Sporting Goods Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253393102</cusip>
    <value>205730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dimensional ETF Trust</nameOfIssuer>
    <titleOfClass>EMERGING MKTS VA</titleOfClass>
    <cusip>25434V740</cusip>
    <value>6199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Dimensional ETF Trust</nameOfIssuer>
    <titleOfClass>INTL SMALL CAP V</titleOfClass>
    <cusip>25434V781</cusip>
    <value>2450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dollar General Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Douglas Dynamics Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25960R105</cusip>
    <value>59360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dow Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>128655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2346</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dow Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>24239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DuPont de Nemours Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>7385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DuPont de Nemours Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>3231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>242384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>636441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>5139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELECTRIC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>1099732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG Resources Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>172354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG Resources Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>4233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETFis Series Trust I</nameOfIssuer>
    <titleOfClass>VIRTUS INFRCAP</titleOfClass>
    <cusip>26923G822</cusip>
    <value>15533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETRACS ETNs/UBS AG/London/USA</nameOfIssuer>
    <titleOfClass>ETRACS MNTHLY B</titleOfClass>
    <cusip>90274E166</cusip>
    <value>43512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5880</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXCHANGE TRADED CONCEPTS LLC</nameOfIssuer>
    <titleOfClass>ROBO GLB ETF</titleOfClass>
    <cusip>301505707</cusip>
    <value>573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>120193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3348</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>10196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eagle Point Credit Management</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>269808101</cusip>
    <value>92150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eagle Point Credit Management</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>269817102</cusip>
    <value>4371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>729925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>2231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Elevance Health Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>27822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eli Lilly &amp; Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>275138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>442</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eli Lilly &amp; Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>18353819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30880</Sole>
      <Shared>0</Shared>
      <None>606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Embecta Corp</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>29082K105</cusip>
    <value>398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Energy Recovery Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29270J100</cusip>
    <value>1884</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>Energy Transfer LP</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>90459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Entergy Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>121428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Enterprise Products Partners L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>10540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Equity Residential</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>29476L107</cusip>
    <value>97856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Essential Utilities Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29670G102</cusip>
    <value>127700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Etsy Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29786A106</cusip>
    <value>40525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Evergy Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30034W106</cusip>
    <value>116093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2224</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1702160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2840</Sole>
      <Shared>0</Shared>
      <None>14185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>13425614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>133218</Sole>
      <Shared>0</Shared>
      <None>1065</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>216270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>217685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>253729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1003</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>105994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST ADVISORS LP</nameOfIssuer>
    <titleOfClass>DJ INTERNT IDX</titleOfClass>
    <cusip>33733E302</cusip>
    <value>18655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>103881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>782</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC Corp</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>302491303</cusip>
    <value>1072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>93473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7668</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>101896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANCO-NEVADA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>351858105</cusip>
    <value>7203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMOR C&amp;G</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>25159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FS KKR Capital Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302635206</cusip>
    <value>15976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI Consulting Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302941109</cusip>
    <value>39830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fastenal Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>311900104</cusip>
    <value>129540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fidelity National Information</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>30035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320209109</cusip>
    <value>26386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust Advisors LP</nameOfIssuer>
    <titleOfClass>NAT GAS ETF</titleOfClass>
    <cusip>33733E807</cusip>
    <value>237070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Trust ETFs/USA</nameOfIssuer>
    <titleOfClass>INDXX NAT RE ETF</titleOfClass>
    <cusip>33734X838</cusip>
    <value>32693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2511</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstEnergy Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>5499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FirstEnergy Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>140188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Flowserve Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34354P105</cusip>
    <value>4122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fortive Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>7731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fortrea Holdings Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>34965K107</cusip>
    <value>34900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Four Corners Property Trust In</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35086T109</cusip>
    <value>2530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Franklin Resources Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>354613101</cusip>
    <value>59580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fresenius Medical Care AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>358029106</cusip>
    <value>20830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fulton Financial Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>360271100</cusip>
    <value>74926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HealthCare Technologies Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36266G107</cusip>
    <value>84975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1099</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HealthCare Technologies Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36266G107</cusip>
    <value>68506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>886</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>12204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>6589905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25069</Sole>
      <Shared>0</Shared>
      <None>309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>134905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2071</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>117643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RBTCS ARTFL INTE</titleOfClass>
    <cusip>37954Y715</cusip>
    <value>6498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GRP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>192885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GRP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>250751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GORMAN-RUPP CO/THE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>383082104</cusip>
    <value>42636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GSK PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W204</cusip>
    <value>3706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GSK PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W204</cusip>
    <value>38542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Co</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>358257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2807</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Electric Co</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>372169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Motors Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>75432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Genuine Parts Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>39888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>156349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Global X Management Co LLC</nameOfIssuer>
    <titleOfClass>SOCIAL MED ETF</titleOfClass>
    <cusip>37950E416</cusip>
    <value>20185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Global X Management Co LLC</nameOfIssuer>
    <titleOfClass>GBL X BLOCKCHAIN</titleOfClass>
    <cusip>37960A735</cusip>
    <value>13872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Goldman Sachs Asset Management LP</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
    <cusip>381430107</cusip>
    <value>7871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>241</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Goldman Sachs Asset Management LP</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
    <cusip>381430107</cusip>
    <value>75314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Goldman Sachs Asset Management LP</nameOfIssuer>
    <titleOfClass>ACTIVEBETA US LG</titleOfClass>
    <cusip>381430503</cusip>
    <value>1129191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11845</Sole>
      <Shared>0</Shared>
      <None>192</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>406216101</cusip>
    <value>15472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>228</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>410345102</cusip>
    <value>3256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>730</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO (THE)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>20881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO (THE)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>358711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HF Sinclair Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>403949100</cusip>
    <value>15726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>18054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Haleon PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>405552100</cusip>
    <value>30072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3654</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Hartford Financial Services Gr</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>416515104</cusip>
    <value>244998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3048</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Helmerich &amp; Payne Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>423452101</cusip>
    <value>6483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Henry Schein Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>806407102</cusip>
    <value>429276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Hewlett Packard Enterprise Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42824C109</cusip>
    <value>9814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>578</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Himax Technologies Inc</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>43289P106</cusip>
    <value>1293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Home Depot Inc/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>845929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>2388</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Home Depot Inc/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>11127374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31656</Sole>
      <Shared>0</Shared>
      <None>453</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>284367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>1188</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>9592345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44778</Sole>
      <Shared>0</Shared>
      <None>963</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Howmet Aerospace Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>443201108</cusip>
    <value>330132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IDACORP Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>451107106</cusip>
    <value>4916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>513926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>262</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>8605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>3916987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28896</Sole>
      <Shared>0</Shared>
      <None>1603</None>
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  <infoTable>
    <nameOfIssuer>INTL BUSINESS MCHN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1010412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>5878</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL BUSINESS MCHN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1741480</value>
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      <sshPrnamt>10648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10648</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>S&amp;P 100 ETF</titleOfClass>
    <cusip>464287101</cusip>
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      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1275</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>713635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>5788</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>580356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4951</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4951</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2778</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>339117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>710</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>1037106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9144</Sole>
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      <None>228</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>GBL COMM SVC ETF</titleOfClass>
    <cusip>464287275</cusip>
    <value>29847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>465019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6192</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>GLOB HLTHCRE ETF</titleOfClass>
    <cusip>464287325</cusip>
    <value>251488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2900</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>GLOBAL ENERG ETF</titleOfClass>
    <cusip>464287341</cusip>
    <value>187728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4800</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>GLOBAL ENERG ETF</titleOfClass>
    <cusip>464287341</cusip>
    <value>1095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>107638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>619</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>101888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>592496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>2952</None>
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    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
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      <None>0</None>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>190</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>7987</Sole>
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      <None>1000</None>
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      <None>0</None>
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    <titleOfClass>GLB CNSM STP ETF</titleOfClass>
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      <None>0</None>
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    <titleOfClass>EAFE VALUE ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>11</None>
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    <titleOfClass>EAFE VALUE ETF</titleOfClass>
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    <value>26727</value>
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      <sshPrnamt>513</sshPrnamt>
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    <votingAuthority>
      <Sole>513</Sole>
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      <None>0</None>
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    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>65340</value>
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      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>3000</None>
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    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
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    <votingAuthority>
      <Sole>5275</Sole>
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      <None>0</None>
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    <titleOfClass>CORE MSCI EAFE</titleOfClass>
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      <sshPrnamt>8656</sshPrnamt>
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      <Sole>1212</Sole>
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      <None>7444</None>
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    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>251431</value>
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      <sshPrnamt>3574</sshPrnamt>
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    <votingAuthority>
      <Sole>3574</Sole>
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      <None>0</None>
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    <cusip>464285204</cusip>
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      <sshPrnamt>1453</sshPrnamt>
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    <votingAuthority>
      <Sole>1453</Sole>
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      <None>0</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>59</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287234</cusip>
    <value>7962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>198</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>46429B689</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10979</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TRUST</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>128</None>
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    <nameOfIssuer>ISHARES TRUST</nameOfIssuer>
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    <cusip>464287291</cusip>
    <value>306810</value>
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      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>4500</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>GLOBAL TECH ETF</titleOfClass>
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      <sshPrnamt>3660</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3660</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TRUST</nameOfIssuer>
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    <votingAuthority>
      <Sole>5249</Sole>
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      <None>0</None>
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      <sshPrnamt>52892</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>16</sshPrnamt>
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      <Sole>16</Sole>
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      <None>0</None>
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      <sshPrnamt>6750</sshPrnamt>
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      <None>6750</None>
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    <cusip>464288414</cusip>
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      <sshPrnamt>1945</sshPrnamt>
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    <nameOfIssuer>ITRON INC</nameOfIssuer>
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      <None>100</None>
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    <nameOfIssuer>ITT Inc</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>10</None>
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    <nameOfIssuer>Ingevity Corp</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1500</None>
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    <nameOfIssuer>Instructure Holdings Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>457790103</cusip>
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      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
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    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1055200</value>
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      <sshPrnamt>20999</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2049</Sole>
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      <None>18950</None>
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  <infoTable>
    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1522374</value>
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      <sshPrnamt>30296</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27291</Sole>
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      <None>3005</None>
    </votingAuthority>
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    <nameOfIssuer>International Paper Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>1808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
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  <infoTable>
    <nameOfIssuer>International Paper Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>46995</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>
    </votingAuthority>
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    <nameOfIssuer>Intuitive Surgical Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>11470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intuitive Surgical Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>6367333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18285</Sole>
      <Shared>0</Shared>
      <None>589</None>
    </votingAuthority>
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    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>5174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>INDIA ETF</titleOfClass>
    <cusip>46137R109</cusip>
    <value>61440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL ENR</titleOfClass>
    <cusip>46137V365</cusip>
    <value>88464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>NASDAQ INTERNT</titleOfClass>
    <cusip>46137V530</cusip>
    <value>18035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>PHARMACEUTICALS</titleOfClass>
    <cusip>46137V662</cusip>
    <value>45660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>S&amp;P GBL WATER</titleOfClass>
    <cusip>46138E263</cusip>
    <value>106016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>46138E354</cusip>
    <value>669146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10679</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10679</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>PFD ETF</titleOfClass>
    <cusip>46138E511</cusip>
    <value>20222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1763</None>
    </votingAuthority>
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    <titleOfClass>PFD ETF</titleOfClass>
    <cusip>46138E511</cusip>
    <value>45662</value>
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      <sshPrnamt>3981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>MSCI GBL TIMBR</titleOfClass>
    <cusip>46138E545</cusip>
    <value>2565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
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    <cusip>46138G664</cusip>
    <value>3729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
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  <infoTable>
    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>S&amp;P SMALLCAP 600</titleOfClass>
    <cusip>46138G664</cusip>
    <value>37660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>909</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>S&amp;P 500 REVENUE</titleOfClass>
    <cusip>46138G698</cusip>
    <value>62554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>73</Sole>
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      <None>660</None>
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  <infoTable>
    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
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    <cusip>46138G698</cusip>
    <value>3819306</value>
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      <sshPrnamt>44754</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44172</Sole>
      <Shared>0</Shared>
      <None>582</None>
    </votingAuthority>
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    <nameOfIssuer>Invesco Capital Management LLC</nameOfIssuer>
    <titleOfClass>SOLAR ETF</titleOfClass>
    <cusip>46138G706</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
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    <nameOfIssuer>Invesco ETFs/USA</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>641718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1567</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1567</None>
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  <infoTable>
    <nameOfIssuer>Invesco ETFs/USA</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>226055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>552</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Invesco ETFs/USA</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL HLT</titleOfClass>
    <cusip>46137V332</cusip>
    <value>29780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JP Morgan ETFs/USA</nameOfIssuer>
    <titleOfClass>NASDAQ EQT PREM</titleOfClass>
    <cusip>46654Q203</cusip>
    <value>9986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMorgan Chase &amp; Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>950859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1941</Sole>
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      <None>3649</None>
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  <infoTable>
    <nameOfIssuer>JPMorgan Chase &amp; Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>12720418</value>
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      <sshPrnamt>74782</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72296</Sole>
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      <None>2486</None>
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  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48203R104</cusip>
    <value>58960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
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  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>2019908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12887</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1853</Sole>
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      <None>11034</None>
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  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>3367872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21487</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21087</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>Johnson Controls International</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>12335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>214</None>
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  <infoTable>
    <nameOfIssuer>Johnson Controls International</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>2075</value>
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      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>291746</value>
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      <sshPrnamt>2401</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2401</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>6136498</value>
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      <sshPrnamt>50502</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49604</Sole>
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      <None>898</None>
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  <infoTable>
    <nameOfIssuer>KIMCO REALTY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49446R109</cusip>
    <value>19179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>900</None>
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    <nameOfIssuer>KLA Corp</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>482480100</cusip>
    <value>97658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KNIFE RIV HOL CO.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>498894104</cusip>
    <value>29781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KRAFT FOODS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>138269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1909</None>
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  <infoTable>
    <nameOfIssuer>KRAFT FOODS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>130374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Kellanova</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>487836108</cusip>
    <value>2684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
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  <infoTable>
    <nameOfIssuer>Kellanova</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>487836108</cusip>
    <value>77435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1385</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Keysight Technologies Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49338L103</cusip>
    <value>681542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kinder Morgan Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>35280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kingdom of Norway Ministry of</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>29446M102</cusip>
    <value>3164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kraft Heinz Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500754106</cusip>
    <value>34391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>930</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KraneShares ETFs/USA</nameOfIssuer>
    <titleOfClass>QUADRTC INT RT</titleOfClass>
    <cusip>500767736</cusip>
    <value>23368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1130</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kyndryl Holdings Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>13549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>652</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kyndryl Holdings Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3Harris Technologies Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>90567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>430</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>LEAP THERAPEUTICS INC</nameOfIssuer>
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      <None>0</None>
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      <sshPrnamt>963</sshPrnamt>
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      <Sole>248</Sole>
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      <None>715</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>965422</value>
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      <sshPrnamt>4338</sshPrnamt>
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      <Sole>2110</Sole>
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      <None>2228</None>
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    <nameOfIssuer>LUCID GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>549498103</cusip>
    <value>126</value>
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    <nameOfIssuer>LULULEMON ATHLETIC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>71581</value>
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      <None>140</None>
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    <nameOfIssuer>Laboratory Corp of America Hol</nameOfIssuer>
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    <value>227290</value>
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      <None>1000</None>
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    <value>1364</value>
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    <nameOfIssuer>Lamb Weston Holdings Inc</nameOfIssuer>
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    <value>28752</value>
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      <None>266</None>
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    <nameOfIssuer>Leggett &amp; Platt Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>20936</value>
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      <sshPrnamt>800</sshPrnamt>
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      <Sole>800</Sole>
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      <None>0</None>
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    <nameOfIssuer>Levi Strauss &amp; Co</nameOfIssuer>
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    <cusip>52736R102</cusip>
    <value>1720</value>
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      <sshPrnamt>104</sshPrnamt>
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      <Sole>104</Sole>
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      <None>0</None>
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    <nameOfIssuer>Linde PLC</nameOfIssuer>
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    <cusip>G54950103</cusip>
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      <sshPrnamt>386</sshPrnamt>
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      <None>386</None>
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    <cusip>G54950103</cusip>
    <value>58321</value>
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      <sshPrnamt>142</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>142</Sole>
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      <None>0</None>
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    <nameOfIssuer>Lindsay Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>535555106</cusip>
    <value>38748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>20849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>46</None>
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  <infoTable>
    <nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>30367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67</Sole>
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      <None>0</None>
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    <nameOfIssuer>Loews Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126117100</cusip>
    <value>25386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>600</None>
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    <nameOfIssuer>Lumentum Holdings Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55024U109</cusip>
    <value>10484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>M&amp;T Bank Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55261F104</cusip>
    <value>71007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>518</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>518</None>
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    <nameOfIssuer>M&amp;T Bank Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55261F104</cusip>
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      <sshPrnamt>1072</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
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    <value>47692</value>
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      <sshPrnamt>1974</sshPrnamt>
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      <None>1974</None>
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    <nameOfIssuer>MARSH &amp; MCLENNAN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
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      <sshPrnamt>868</sshPrnamt>
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      <Sole>868</Sole>
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      <None>0</None>
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    <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
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      <None>167</None>
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    <nameOfIssuer>MATTEL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>100</None>
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    <nameOfIssuer>MCDONALD'S CORP</nameOfIssuer>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
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      <None>225</None>
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    <nameOfIssuer>MDC Holdings Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>660</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1900</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>MERIT MEDICAL SYST</nameOfIssuer>
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    <value>37980</value>
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      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
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      <sshPrnamt>23918</sshPrnamt>
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      <Sole>1032</Sole>
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      <None>22886</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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      <sshPrnamt>87394</sshPrnamt>
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    <votingAuthority>
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      <None>3947</None>
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    <nameOfIssuer>MOODYS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>615369105</cusip>
    <value>19528</value>
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      <sshPrnamt>50</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>MSC Industrial Direct Co Inc</nameOfIssuer>
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      <None>1600</None>
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    <nameOfIssuer>MYRIAD GENETICS IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>62855J104</cusip>
    <value>16078</value>
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      <sshPrnamt>840</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>840</Sole>
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      <None>0</None>
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    <nameOfIssuer>Macerich Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>554382101</cusip>
    <value>108704</value>
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      <sshPrnamt>7045</sshPrnamt>
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      <None>7045</None>
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    <nameOfIssuer>Marathon Petroleum Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>240937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1624</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1624</None>
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  <infoTable>
    <nameOfIssuer>Marathon Petroleum Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>7566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
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    <votingAuthority>
      <Sole>51</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Marriott International Inc/MD</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>571903202</cusip>
    <value>220774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>979</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>979</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Marriott Vacations Worldwide C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57164Y107</cusip>
    <value>7385</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>
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  <infoTable>
    <nameOfIssuer>Masco Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>574599106</cusip>
    <value>234430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>138069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1676</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>25950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Merck &amp; Co Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>544446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1076</Sole>
      <Shared>0</Shared>
      <None>3918</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Merck &amp; Co Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>10263470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92550</Sole>
      <Shared>0</Shared>
      <None>1593</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MetLife Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>99195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MetLife Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>14284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mettler-Toledo International I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>592688105</cusip>
    <value>18194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Microchip Technology Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595017104</cusip>
    <value>295790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Microchip Technology Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595017104</cusip>
    <value>342684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Micron Technology Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>2560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mind CTI Ltd</nameOfIssuer>
    <titleOfClass>None</titleOfClass>
    <cusip>M70240102</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Moderna Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>60770K107</cusip>
    <value>995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Monroe Capital Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>610335101</cusip>
    <value>61550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NBT Bancorp Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>628778102</cusip>
    <value>1433154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NBT Bancorp Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>628778102</cusip>
    <value>477020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETGEAR Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64111Q104</cusip>
    <value>2916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>129619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>430829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7093</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NGL Energy Partners LP</nameOfIssuer>
    <titleOfClass>COM UNIT REPST</titleOfClass>
    <cusip>62913M107</cusip>
    <value>7241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>234511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>402360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2406</Sole>
      <Shared>0</Shared>
      <None>1300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDIC AMER TANKER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G65773106</cusip>
    <value>6359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG Energy Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>629377508</cusip>
    <value>5170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>10897811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19992</Sole>
      <Shared>0</Shared>
      <None>2014</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>National Amusements Inc</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>92556H107</cusip>
    <value>492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>National Amusements Inc</nameOfIssuer>
    <titleOfClass>CLASS B COM</titleOfClass>
    <cusip>92556H206</cusip>
    <value>385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>National Fuel Gas Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>636180101</cusip>
    <value>571587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nelnet Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>64031N108</cusip>
    <value>17644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nokia Oyj</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>654902204</cusip>
    <value>684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Norfolk Southern Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>153647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Northern Trust Investments Inc</nameOfIssuer>
    <titleOfClass>MORNSTAR UPSTR</titleOfClass>
    <cusip>33939L407</cusip>
    <value>2703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Norwegian Cruise Line Holdings</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G66721104</cusip>
    <value>2004</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>Novartis AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>122174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>560</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novartis AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>111067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novocure Ltd</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G6674U108</cusip>
    <value>1493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nucor Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>8702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nuveen Closed-End Funds/USA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066X107</cusip>
    <value>115975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
    <titleOfClass>*W EXP 08/03/202</titleOfClass>
    <cusip>674599162</cusip>
    <value>8860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE Energy Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670837103</cusip>
    <value>6986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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      <None>2475</None>
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    <nameOfIssuer>Occidental Petroleum Corp</nameOfIssuer>
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      <None>1876</None>
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      <None>387</None>
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      <None>0</None>
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    <value>10468</value>
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      <None>117</None>
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    <value>8947</value>
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    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ovintiv Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>12912</value>
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      <sshPrnamt>294</sshPrnamt>
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    <votingAuthority>
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      <None>294</None>
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    <nameOfIssuer>Owens &amp; Minor Inc</nameOfIssuer>
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    <value>964</value>
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      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
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    <nameOfIssuer>Oxford Lane Closed End Funds/U</nameOfIssuer>
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    <cusip>691543102</cusip>
    <value>79040</value>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16000</None>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
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      <None>4337</None>
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      <None>1430</None>
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      <None>300</None>
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    <nameOfIssuer>PHILIP MORRIS INTL</nameOfIssuer>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>4550</None>
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    <nameOfIssuer>PHILIP MORRIS INTL</nameOfIssuer>
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      <sshPrnamt>2088</sshPrnamt>
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    <votingAuthority>
      <Sole>2088</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>521</Sole>
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      <None>0</None>
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    <nameOfIssuer>PIMCO Access Income Fund/Fund</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>675</None>
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    <nameOfIssuer>PIMCO Funds/Closed-End/USA</nameOfIssuer>
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      <None>1025</None>
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    <nameOfIssuer>PNC Financial Services Group I</nameOfIssuer>
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      <None>902</None>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>PPL CORP</nameOfIssuer>
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    <value>5420</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>7571</value>
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      <None>73</None>
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    <nameOfIssuer>Pacific Investment Management Co LLC</nameOfIssuer>
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    <value>11254</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>850</None>
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    <value>37627</value>
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      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>407</Sole>
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      <None>0</None>
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    <nameOfIssuer>PayPal Holdings Inc</nameOfIssuer>
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      <sshPrnamt>416</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>363</Sole>
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      <None>53</None>
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    <nameOfIssuer>PayPal Holdings Inc</nameOfIssuer>
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    <value>43847</value>
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      <sshPrnamt>714</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>714</Sole>
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      <None>0</None>
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    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>182000</value>
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      <None>1528</None>
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    <value>684644</value>
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    <votingAuthority>
      <Sole>5748</Sole>
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      <None>0</None>
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    <nameOfIssuer>Perrigo Co PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G97822103</cusip>
    <value>16895</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>525</Sole>
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      <None>0</None>
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    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
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      <sshPrnamt>27008</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3500</Sole>
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      <None>23508</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>474373</value>
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      <sshPrnamt>16477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16477</Sole>
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      <None>0</None>
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    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>205568</value>
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      <sshPrnamt>1544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1544</None>
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    <nameOfIssuer>Pinnacle West Capital Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723484101</cusip>
    <value>114944</value>
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      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Plug Power Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>72919P202</cusip>
    <value>540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>120</None>
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    <titleOfClass>COM NEW</titleOfClass>
    <cusip>736508847</cusip>
    <value>26004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ProShare Advisors LLC</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
    <cusip>74348A467</cusip>
    <value>1904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
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  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>5638859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38480</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>2003641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12648</Sole>
      <Shared>0</Shared>
      <None>1025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Public Service Enterprise Grou</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744573106</cusip>
    <value>67020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>98</Sole>
      <Shared>0</Shared>
      <None>998</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Public Service Enterprise Grou</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744573106</cusip>
    <value>7817233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>126243</Sole>
      <Shared>0</Shared>
      <None>1594</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Public Storage</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>25925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Public Storage</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>7147675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23053</Sole>
      <Shared>0</Shared>
      <None>382</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>289260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Quest Diagnostics Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74834L100</cusip>
    <value>7170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTERNATIONA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>76131D103</cusip>
    <value>78130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLJ LODGING TRUST</nameOfIssuer>
    <titleOfClass>CUM CONV PFD A</titleOfClass>
    <cusip>74965L200</cusip>
    <value>6263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RMR Group Inc/The</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>74967R106</cusip>
    <value>1383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX Corp</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>771049103</cusip>
    <value>4572</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>ROCKWELL AUTOMATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>773903109</cusip>
    <value>160208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>405050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>817</Sole>
      <Shared>0</Shared>
      <None>3997</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>128229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ralph Lauren Corp</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>751212101</cusip>
    <value>131222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>910</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Regency Centers Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>758849103</cusip>
    <value>122945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1835</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rio Tinto PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>178704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rite Aid Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>767754872</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rithm Capital Corp</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>64828T201</cusip>
    <value>2787</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>Rivian Automotive Inc</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>76954A103</cusip>
    <value>352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rivian Automotive Inc</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>76954A103</cusip>
    <value>4106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Rock Holdings Inc</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77311W101</cusip>
    <value>1709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Roundhill Financial Inc</nameOfIssuer>
    <titleOfClass>ROUNDHILL SPORTS</titleOfClass>
    <cusip>53656F789</cusip>
    <value>6936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Royal Bank of Canada</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780087102</cusip>
    <value>242712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P Global Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>123346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SACHEM CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78590A109</cusip>
    <value>10547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>150253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANDSTORM GOLD LTD</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>80013R206</cusip>
    <value>6036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>22094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>1513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>108045</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 SECTOR SPDR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>52034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>100608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>65800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>60799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1456304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>7166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHP ETF Trust</nameOfIssuer>
    <titleOfClass>None</titleOfClass>
    <cusip>78433H303</cusip>
    <value>9640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER(JM)CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>29699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>83304A106</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES IND</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>1011896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2685</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF</titleOfClass>
    <cusip>78464A359</cusip>
    <value>94372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1308</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>94374</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>SPROTT ASSET MANAGEMENT LP/CAN</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>85207H104</cusip>
    <value>684990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT ASSET MANAGEMENT LP/CAN</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>85207H104</cusip>
    <value>15277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA FUNDS MANAGEMENT</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA FUNDS MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>NYSE TECH ETF</titleOfClass>
    <cusip>78464A102</cusip>
    <value>82073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA FUNDS MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA FUNDS MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
    <cusip>78464A847</cusip>
    <value>28745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA FUNDS MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>51562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA FUNDS MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>51717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA Funds Management Inc</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>49988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA Funds Management Inc</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>185081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
    <cusip>78464A201</cusip>
    <value>16726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
    <cusip>78464A839</cusip>
    <value>440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>44645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>27945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>9687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>8371781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89489</Sole>
      <Shared>0</Shared>
      <None>2116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
    <cusip>78468R788</cusip>
    <value>105813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>12385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>3293911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33019</Sole>
      <Shared>0</Shared>
      <None>1289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STREET ETF/USA</nameOfIssuer>
    <titleOfClass>FTSE INT GVT ETF</titleOfClass>
    <cusip>78464A490</cusip>
    <value>1552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STREET ETF/USA</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>966052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1904</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNPOWER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>867652406</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sarepta Therapeutics Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>803607100</cusip>
    <value>15622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schlumberger NV</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>208160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>3600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Schwab ETFs/USA</nameOfIssuer>
    <titleOfClass>SCHWB FDT EMK LG</titleOfClass>
    <cusip>808524730</cusip>
    <value>8305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Selective Insurance Group Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816300107</cusip>
    <value>143052</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</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>52987</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>Shake Shack Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>819047101</cusip>
    <value>3706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Shell PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>212534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sherwin-Williams Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>45849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SkyWest Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>830879102</cusip>
    <value>10440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Skyworks Solutions Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83088M102</cusip>
    <value>11242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Snap-on Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>833034101</cusip>
    <value>174748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>605</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Snowflake Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>833445109</cusip>
    <value>19900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sony Group Corp</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>835699307</cusip>
    <value>4735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Southern Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>38917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Southern Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>133228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sprott Asset Management CEFs</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85207K107</cusip>
    <value>465416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sprott Asset Management CEFs</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85208R101</cusip>
    <value>555350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stanley Black &amp; Decker Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>130473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stanley Black &amp; Decker Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>141558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>41054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street ETF/USA</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2094216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>644</Sole>
      <Shared>0</Shared>
      <None>3762</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street ETF/USA</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>1654554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street ETF/USA</nameOfIssuer>
    <titleOfClass>S&amp;P RETAIL ETF</titleOfClass>
    <cusip>78464A714</cusip>
    <value>43392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street Global Advisors Inc</nameOfIssuer>
    <titleOfClass>S&amp;P INTL SMLCP</titleOfClass>
    <cusip>78463X871</cusip>
    <value>44464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street Global Advisors Inc</nameOfIssuer>
    <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>
    <cusip>78464A862</cusip>
    <value>22479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street Global Advisors Inc</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
    <cusip>78468R861</cusip>
    <value>5949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street Global Advisors Inc</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>44684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>State Street Global Advisors Inc</nameOfIssuer>
    <titleOfClass>RL EST SEL SEC</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stryker Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>252145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>524</Sole>
      <Shared>0</Shared>
      <None>318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stryker Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>4608689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14602</Sole>
      <Shared>0</Shared>
      <None>788</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SuRo Capital Corp</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>86887Q109</cusip>
    <value>5646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Summit Materials Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>86614U100</cusip>
    <value>39075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sylvamo Corp</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871332102</cusip>
    <value>688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sysco Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>658170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>8700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE Connectivity Ltd</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>H84989104</cusip>
    <value>23885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>87911J103</cusip>
    <value>7705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>465</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA WORLD HEALTH</nameOfIssuer>
    <titleOfClass>BEN INT SHS</titleOfClass>
    <cusip>87911L108</cusip>
    <value>7469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>272736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>212734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIDEWATER INC</nameOfIssuer>
    <titleOfClass>*W EXP 11/14/202</titleOfClass>
    <cusip>88642R174</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Cos Inc/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>163042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>1648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Cos Inc/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>8898254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90140</Sole>
      <Shared>0</Shared>
      <None>4714</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO-DOMINION</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>891160509</cusip>
    <value>77544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>57147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>45718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TSMC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>130000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tanger Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>875465106</cusip>
    <value>19404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>181586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Target Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>258492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teradyne Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>880770102</cusip>
    <value>752044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tesla Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>284758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tesla Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>44726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Teva Pharmaceutical Industries</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>881624209</cusip>
    <value>10962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Texas Pacific Land Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88262P102</cusip>
    <value>934035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Thermo Fisher Scientific Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>542998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>523</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Thermo Fisher Scientific Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>323251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>609</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tompkins Financial Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>890110109</cusip>
    <value>42903997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>712336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>712336</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tompkins Financial Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>890110109</cusip>
    <value>28228657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>468681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TriplePoint Venture Growth BDC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89677Y100</cusip>
    <value>15747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Truist Financial Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>110945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Truist Financial Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>23998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Tyson Foods Inc</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>902494103</cusip>
    <value>37410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>696</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902681105</cusip>
    <value>62090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>USA Compression Partners LP</nameOfIssuer>
    <titleOfClass>COMUNIT LTDPAR</titleOfClass>
    <cusip>90290N109</cusip>
    <value>25455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1115</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UTD PARCEL SERV</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>50314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTD PARCEL SERV</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>8034767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50159</Sole>
      <Shared>0</Shared>
      <None>943</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Unilever PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>4848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>173899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>708</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>220321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>897</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>526470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>356947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Universal Health Services Inc</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>913903100</cusip>
    <value>96037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Universal Insurance Holdings I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91359V107</cusip>
    <value>174134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10897</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V2X Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92242T101</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS ETF</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>67981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS ETF</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>26795326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>315349</Sole>
      <Shared>0</Shared>
      <None>373</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS ETF</nameOfIssuer>
    <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
    <cusip>92189F700</cusip>
    <value>76180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS ETF</nameOfIssuer>
    <titleOfClass>VANECK VIETNAM</titleOfClass>
    <cusip>92189F817</cusip>
    <value>15504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>586622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>4863331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10966</Sole>
      <Shared>0</Shared>
      <None>168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>68160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>LONG TERM BOND</titleOfClass>
    <cusip>921937793</cusip>
    <value>40422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>390938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>7832</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>6126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>GLB EX US ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>17036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>GLB EX US ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>5409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>TT WRLD ST ETF</titleOfClass>
    <cusip>922042742</cusip>
    <value>84259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>819</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>26756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>651</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>96800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>27104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>49231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>631</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>6096</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>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>11158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>1011981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>4041</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ETF/USA</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>218005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>919</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>VANGUARD INTL EQUI</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>211365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>2948</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>726153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>410704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>276</Sole>
      <Shared>0</Shared>
      <None>10618</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1156561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VF Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>24757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>2175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>9422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORIAS SECRET &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>926400102</cusip>
    <value>2654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>9112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>281959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Valero Energy Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valvoline Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92047W101</cusip>
    <value>354906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Van Eck Associates Corp</nameOfIssuer>
    <titleOfClass>FALLEN ANGEL HG</titleOfClass>
    <cusip>92189F437</cusip>
    <value>44753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Van Eck Associates Corp</nameOfIssuer>
    <titleOfClass>JP MRGAN EM LOC</titleOfClass>
    <cusip>92189H300</cusip>
    <value>12092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>477</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Van Eck Associates Corp</nameOfIssuer>
    <titleOfClass>RARE EARTH/STRTG</titleOfClass>
    <cusip>92189H805</cusip>
    <value>41054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Van Eck Associates Corp</nameOfIssuer>
    <titleOfClass>DIGI TRANSFRM</titleOfClass>
    <cusip>92189H821</cusip>
    <value>3084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>500 GRTH IDX F</titleOfClass>
    <cusip>921932505</cusip>
    <value>1776653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>12412224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>166806</Sole>
      <Shared>0</Shared>
      <None>1953</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>151172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3156</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>16624845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>346037</Sole>
      <Shared>0</Shared>
      <None>1037</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>13096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>3819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>117280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>7858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>50140</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>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>149417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>596</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>68535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>7676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>2966</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>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>55225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>408046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3598</Sole>
      <Shared>0</Shared>
      <None>1020</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>33606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>23264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>125626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>129065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>355</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>2229299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10406</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vertex Pharmaceuticals Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>6103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vista Outdoor Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>928377100</cusip>
    <value>2957</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>Vodafone Group PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>92857W308</cusip>
    <value>17565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vontier Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>928881101</cusip>
    <value>13820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WASTE MANAGEMENT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>336887</value>
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      <sshPrnamt>1881</sshPrnamt>
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    <votingAuthority>
      <Sole>41</Sole>
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      <None>1840</None>
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    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
      <Sole>58233</Sole>
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      <None>975</None>
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    <nameOfIssuer>WATSCO INC</nameOfIssuer>
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      <None>1000</None>
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    <nameOfIssuer>WEC Energy Group Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>42085</value>
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      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
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    <nameOfIssuer>WEC Energy Group Inc</nameOfIssuer>
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    <value>158660</value>
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      <sshPrnamt>1885</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1885</Sole>
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      <None>0</None>
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    <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
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    <votingAuthority>
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      <None>1350</None>
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    <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
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      <sshPrnamt>2470</sshPrnamt>
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    <votingAuthority>
      <Sole>2470</Sole>
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      <None>0</None>
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    <nameOfIssuer>WESTN DIGITAL CORP</nameOfIssuer>
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    <cusip>958102105</cusip>
    <value>15711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>300</None>
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    <nameOfIssuer>WK Kellogg Co</nameOfIssuer>
    <titleOfClass>None</titleOfClass>
    <cusip>92942W107</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>12</None>
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    <nameOfIssuer>WK Kellogg Co</nameOfIssuer>
    <titleOfClass>None</titleOfClass>
    <cusip>92942W107</cusip>
    <value>4546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>346</Sole>
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      <None>0</None>
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    <nameOfIssuer>WNS HOLDINGS LTD</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>92932M101</cusip>
    <value>12640</value>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>WP Carey Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92936U109</cusip>
    <value>249907</value>
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      <sshPrnamt>3856</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3856</Sole>
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      <None>0</None>
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    <nameOfIssuer>WW Grainger Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>305787</value>
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      <sshPrnamt>369</sshPrnamt>
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    <votingAuthority>
      <Sole>369</Sole>
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      <None>0</None>
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    <nameOfIssuer>Walgreens Boots Alliance Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>15849</value>
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      <sshPrnamt>607</sshPrnamt>
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    <votingAuthority>
      <Sole>577</Sole>
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      <None>30</None>
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    <value>1058935</value>
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      <sshPrnamt>6717</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>396</Sole>
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      <None>6321</None>
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    <nameOfIssuer>Walmart Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
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      <sshPrnamt>88329</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>86817</Sole>
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      <None>1512</None>
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    <nameOfIssuer>Walt Disney Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>289289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3204</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>3204</None>
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    <nameOfIssuer>Walt Disney Co/The</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
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      <sshPrnamt>3032</sshPrnamt>
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    <votingAuthority>
      <Sole>1282</Sole>
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      <None>1750</None>
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    <nameOfIssuer>Warner Bros Discovery Inc</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>5270</None>
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    <nameOfIssuer>Warner Bros Discovery Inc</nameOfIssuer>
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    <value>60416</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5309</Sole>
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      <None>0</None>
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    <nameOfIssuer>Webster Financial Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>25162</sshPrnamt>
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      <Sole>0</Sole>
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      <None>25162</None>
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    <nameOfIssuer>West Pharmaceutical Services I</nameOfIssuer>
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    <cusip>955306105</cusip>
    <value>88734</value>
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      <sshPrnamt>252</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>252</Sole>
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      <None>0</None>
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    <nameOfIssuer>Westinghouse Air Brake Technol</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
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    <votingAuthority>
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      <None>110</None>
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  <infoTable>
    <nameOfIssuer>Westinghouse Air Brake Technol</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929740108</cusip>
    <value>8249</value>
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      <sshPrnamt>65</sshPrnamt>
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    <votingAuthority>
      <Sole>65</Sole>
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      <None>0</None>
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    <nameOfIssuer>Westrock Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>96145D105</cusip>
    <value>32386</value>
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      <sshPrnamt>780</sshPrnamt>
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    <votingAuthority>
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      <None>780</None>
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    <nameOfIssuer>Wheaton Precious Metals Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>962879102</cusip>
    <value>12187</value>
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      <sshPrnamt>247</sshPrnamt>
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    <votingAuthority>
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      <None>247</None>
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    <nameOfIssuer>Whirlpool Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>46638</value>
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      <sshPrnamt>383</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>383</None>
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    <nameOfIssuer>Willis Towers Watson PLC</nameOfIssuer>
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    <cusip>G96629103</cusip>
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      <sshPrnamt>9</sshPrnamt>
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      <Sole>9</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WisdomTree Asset Management Inc</nameOfIssuer>
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    <cusip>97717X578</cusip>
    <value>33934</value>
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      <sshPrnamt>1175</sshPrnamt>
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      <Sole>0</Sole>
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      <None>1175</None>
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    <nameOfIssuer>WisdomTree Asset Management Inc</nameOfIssuer>
    <titleOfClass>EM EX ST-OWNED</titleOfClass>
    <cusip>97717X578</cusip>
    <value>1314935</value>
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      <sshPrnamt>45531</sshPrnamt>
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    <votingAuthority>
      <Sole>41452</Sole>
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      <None>4079</None>
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    <nameOfIssuer>WisdomTree Asset Management Inc</nameOfIssuer>
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    <cusip>97717X594</cusip>
    <value>65336</value>
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      <sshPrnamt>1556</sshPrnamt>
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      <None>1556</None>
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    <nameOfIssuer>WisdomTree Asset Management Inc</nameOfIssuer>
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    <cusip>97717X669</cusip>
    <value>35140</value>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>WisdomTree Asset Management Inc</nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ</titleOfClass>
    <cusip>97717X701</cusip>
    <value>66846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1560</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1560</None>
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    <nameOfIssuer>WisdomTree ETFs/USA</nameOfIssuer>
    <titleOfClass>US TOTAL DIVIDND</titleOfClass>
    <cusip>97717W109</cusip>
    <value>78848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1206</sshPrnamt>
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    <votingAuthority>
      <Sole>1206</Sole>
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      <None>0</None>
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    <nameOfIssuer>Wolfspeed Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>977852102</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>10</None>
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    <nameOfIssuer>XA Investments LLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98400T106</cusip>
    <value>7140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>Xylem Inc/NY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98419M100</cusip>
    <value>48031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>195990</value>
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      <sshPrnamt>1500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ZIMMER HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98956P102</cusip>
    <value>76671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>430</None>
    </votingAuthority>
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