<SEC-DOCUMENT>0001104659-24-111028.txt : 20241024
<SEC-HEADER>0001104659-24-111028.hdr.sgml : 20241024
<ACCEPTANCE-DATETIME>20241024081402
ACCESSION NUMBER:		0001104659-24-111028
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241024
DATE AS OF CHANGE:		20241024
EFFECTIVENESS DATE:		20241024

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST FINANCIAL CORP /IN/
		CENTRAL INDEX KEY:			0000714562
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				351546989
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-14510
		FILM NUMBER:		241390795

	BUSINESS ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLAZA
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807
		BUSINESS PHONE:		(812) 238-6000

	MAIL ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLAZA
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TERRE HAUTE FIRST CORP
		DATE OF NAME CHANGE:	19850808
</SEC-HEADER>
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      <periodOfReport>09-30-2024</periodOfReport>
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        <address>
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          <ns1:city>Terre Haute</ns1:city>
          <ns1:stateOrCountry>IN</ns1:stateOrCountry>
          <ns1:zipCode>47807</ns1:zipCode>
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    <signatureBlock>
      <name>JENNIFER HANLEY</name>
      <title>TRUST OPERATIONS MANANGER</title>
      <phone>812-238-6216</phone>
      <signature>Jennifer L Hanley</signature>
      <city>Terre Haute</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>10-24-2024</signatureDate>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>101121101</cusip>
    <value>4989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>427010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>77610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>British American Tob</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110448107</cusip>
    <value>658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Broadridge Fin Sol</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11133T103</cusip>
    <value>6451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30</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>1611150</value>
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      <sshPrnamt>9340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9340</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>172500</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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    <nameOfIssuer>Builders Firstsrc</nameOfIssuer>
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    <cusip>12008R107</cusip>
    <value>6010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CBRE Group Inc</nameOfIssuer>
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    <cusip>12504L109</cusip>
    <value>12324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>125523100</cusip>
    <value>48155</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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    <nameOfIssuer>Cms Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>125896100</cusip>
    <value>109830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1555</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Csw Industrials Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126402106</cusip>
    <value>6595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>C.S.X.Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126408103</cusip>
    <value>6837</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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  <infoTable>
    <nameOfIssuer>CTS Corp</nameOfIssuer>
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    <cusip>126501105</cusip>
    <value>2274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cnx Resources Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12653C108</cusip>
    <value>5211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
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      <None>0</None>
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    <nameOfIssuer>CVS/Caremark Corp</nameOfIssuer>
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    <cusip>126650100</cusip>
    <value>52190</value>
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      <sshPrnamt>830</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Coterra Energy Inc</nameOfIssuer>
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    <cusip>127097103</cusip>
    <value>10706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>447</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>447</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Capital One</nameOfIssuer>
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    <cusip>14040H105</cusip>
    <value>45817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>306</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>27630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Carmax Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>143130102</cusip>
    <value>58731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>759</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carnival Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>143658300</cusip>
    <value>1848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>286464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3559</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3559</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>24147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cass Info Sys Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14808P109</cusip>
    <value>1991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48</Sole>
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      <None>0</None>
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    <nameOfIssuer>Catalent Inc</nameOfIssuer>
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    <cusip>148806102</cusip>
    <value>6723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111</Sole>
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      <None>0</None>
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    <nameOfIssuer>Caterpillar Tractor</nameOfIssuer>
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    <value>355137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>908</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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  <infoTable>
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    <value>14604</value>
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      <sshPrnamt>194</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>194</Sole>
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      <None>0</None>
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      <sshPrnamt>19</sshPrnamt>
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      <Sole>19</Sole>
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    <cusip>166764100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3762</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3762</Sole>
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  <infoTable>
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    <cusip>166764100</cusip>
    <value>230183</value>
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      <sshPrnamt>1563</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Chipotle Mex Grill</nameOfIssuer>
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    <cusip>169656105</cusip>
    <value>11524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>249016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4679</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4679</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>17275R102</cusip>
    <value>266100</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5000</Sole>
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    </votingAuthority>
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    <nameOfIssuer>Citigroup Inc</nameOfIssuer>
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    <cusip>172967424</cusip>
    <value>82882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1324</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1324</Sole>
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    <nameOfIssuer>Citizens Financial G</nameOfIssuer>
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    <cusip>174610105</cusip>
    <value>73926</value>
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      <sshPrnamt>1800</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Coca-Cola Consldtd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191098102</cusip>
    <value>3949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Coca Cola CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191216100</cusip>
    <value>875830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12188</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12188</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Coca Cola CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191216100</cusip>
    <value>100604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>800</Shared>
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  <infoTable>
    <nameOfIssuer>Cognizant Tech</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>192446102</cusip>
    <value>10728</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>590</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>260557103</cusip>
    <value>27315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Duke Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26441C204</cusip>
    <value>241438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2094</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Duke Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26441C204</cusip>
    <value>58111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dupont DE Nemours In</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26614N102</cusip>
    <value>139546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1566</Sole>
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      <None>0</None>
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    <nameOfIssuer>Eog Resources</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26875P101</cusip>
    <value>31716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>258</Sole>
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      <None>0</None>
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    <nameOfIssuer>Eastman Chemical CO</nameOfIssuer>
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    <cusip>277432100</cusip>
    <value>28883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>258</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Ecolab Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>278865100</cusip>
    <value>200179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>784</Sole>
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      <None>0</None>
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    <nameOfIssuer>Edwards Lifesciences</nameOfIssuer>
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    <value>89152</value>
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      <sshPrnamt>1351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1351</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Emerson Elec CO</nameOfIssuer>
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    <cusip>291011104</cusip>
    <value>5031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Emerson Elec CO</nameOfIssuer>
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    <cusip>291011104</cusip>
    <value>131244</value>
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      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1200</Shared>
      <None>0</None>
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    <nameOfIssuer>Enersys</nameOfIssuer>
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    <cusip>29275Y102</cusip>
    <value>2755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Enpro Industries</nameOfIssuer>
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    <value>5190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Entegris Inc</nameOfIssuer>
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    <cusip>29362U104</cusip>
    <value>8552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>76</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Enterprise Products         Pa</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>293792107</cusip>
    <value>135332</value>
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      <sshPrnamt>4649</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4649</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Enterprise Products         Pa</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>293792107</cusip>
    <value>49487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Equifax Ind</nameOfIssuer>
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    <value>61417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>209</Sole>
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      <None>0</None>
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    <nameOfIssuer>Evergy Inc</nameOfIssuer>
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    <cusip>30034W106</cusip>
    <value>62010</value>
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      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Exelon Corp</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <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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  <infoTable>
    <nameOfIssuer>Exlservice Holdings</nameOfIssuer>
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      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
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    <cusip>30231G102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>13577</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13534</Sole>
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  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
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      <sshPrnamt>4775</sshPrnamt>
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      <sshPrnamt>16</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>2938</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>Meta Platform Inc</nameOfIssuer>
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      <sshPrnamt>4569</sshPrnamt>
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    <nameOfIssuer>First Financial Corp</nameOfIssuer>
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      <sshPrnamt>659743</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>571888</Sole>
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      <None>87855</None>
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  <infoTable>
    <nameOfIssuer>First Financial Corp</nameOfIssuer>
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      <sshPrnamt>93674</sshPrnamt>
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      <None>13070</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Internet Bank</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320557101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>First Trust Morn Dvd</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1875</Sole>
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      <None>0</None>
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    <nameOfIssuer>First Trust Intermed</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33718W103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9086</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9086</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Trust Intermed</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33718W103</cusip>
    <value>6757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>346</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Trust Finl Alphad</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33734X135</cusip>
    <value>155742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3046</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3046</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Firstenergy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>337932107</cusip>
    <value>12108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>273</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Flexshares Global Up</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L407</cusip>
    <value>61256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1485</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Flexshares Quality D</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L860</cusip>
    <value>157834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2201</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Fortive Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>34959J108</cusip>
    <value>19654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>249</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Fox Corp - Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>35137L105</cusip>
    <value>720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Franklin Elect CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>353514102</cusip>
    <value>3983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Freeport-Mcmoran</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>35671D857</cusip>
    <value>224590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4499</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Gatx Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>361448103</cusip>
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    <value>45330</value>
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      <sshPrnamt>680</sshPrnamt>
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    <nameOfIssuer>General  Motors</nameOfIssuer>
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    <value>762</value>
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      <sshPrnamt>17</sshPrnamt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>37045V100</cusip>
    <value>31388</value>
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      <sshPrnamt>700</sshPrnamt>
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      <Sole>700</Sole>
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      <None>0</None>
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    <nameOfIssuer>German Amer Banc</nameOfIssuer>
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      <sshPrnamt>2863</sshPrnamt>
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    <nameOfIssuer>Gsk PLC-Spon ADR</nameOfIssuer>
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      <sshPrnamt>272</sshPrnamt>
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    <votingAuthority>
      <Sole>272</Sole>
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      <None>0</None>
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      <sshPrnamt>345</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>345</Sole>
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      <None>0</None>
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      <sshPrnamt>54</sshPrnamt>
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    <nameOfIssuer>Halliburton CO</nameOfIssuer>
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      <sshPrnamt>203</sshPrnamt>
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    <votingAuthority>
      <Sole>203</Sole>
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  <infoTable>
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      <sshPrnamt>700</sshPrnamt>
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    <nameOfIssuer>Hexcel</nameOfIssuer>
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      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <sshPrnamt>2413</sshPrnamt>
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      <sshPrnamt>60</sshPrnamt>
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      <sshPrnamt>243</sshPrnamt>
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      <sshPrnamt>200</sshPrnamt>
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      <sshPrnamt>29</sshPrnamt>
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    <nameOfIssuer>Integer Holdings</nameOfIssuer>
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      <sshPrnamt>47</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Intercontinental</nameOfIssuer>
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    <cusip>45866F104</cusip>
    <value>24257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>151</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ibm</nameOfIssuer>
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    <cusip>459200101</cusip>
    <value>120710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>546</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>546</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ibm</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>459200101</cusip>
    <value>79589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>Invesco QQQTrust SE</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2619</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2619</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Invseco Nasdaq 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>6408</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6395</Sole>
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  <infoTable>
    <nameOfIssuer>Invseco Nasdaq 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G649</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Invesco S&amp;P Mid Cap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G672</cusip>
    <value>218798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Iron Mountain Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46284V101</cusip>
    <value>178245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Gold Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464285204</cusip>
    <value>35536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287101</cusip>
    <value>303329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Div ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287168</cusip>
    <value>1486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Div ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287168</cusip>
    <value>162084</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>iShares S&amp;P Core S&amp;P</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287200</cusip>
    <value>66911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Eafe ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287465</cusip>
    <value>154214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Eafe ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287465</cusip>
    <value>81539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Midcap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287473</cusip>
    <value>359456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Midcap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287481</cusip>
    <value>297799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Mid</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287499</cusip>
    <value>426598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core S&amp;P Midcap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287507</cusip>
    <value>129937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Global 100</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287572</cusip>
    <value>16163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287598</cusip>
    <value>780078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2747</Sole>
      <Shared>1363</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287598</cusip>
    <value>235352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287614</cusip>
    <value>924936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287622</cusip>
    <value>1445251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core Russell</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287663</cusip>
    <value>167967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Real Est.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>1411205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13827</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Real Est.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>33719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P Smallcap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287804</cusip>
    <value>212633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P Sm Cap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287887</cusip>
    <value>83694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Natl Muni</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288414</cusip>
    <value>48884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Eafe Grw</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288885</cusip>
    <value>200337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1861</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core MSCI Ea</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46432F842</cusip>
    <value>339127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core MSCI Em</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46434G103</cusip>
    <value>74461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Emr Mrk</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46434G764</cusip>
    <value>3178</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>iShares Esg Aware</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46435G425</cusip>
    <value>10473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>83</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMorgan Chase</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2339703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11048</Sole>
      <Shared>48</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMorgan Chase</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46625H100</cusip>
    <value>94887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Jacobs Solutions</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46982L108</cusip>
    <value>10341</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>Johnson-Johnson</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>478160104</cusip>
    <value>344702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson-Johnson</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>478160104</cusip>
    <value>97236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kla - Tencor Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>482480100</cusip>
    <value>246262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kaiser Aluminum Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>483007704</cusip>
    <value>2901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Keycorp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>493267108</cusip>
    <value>5846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Keysight Technologie</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>49338L103</cusip>
    <value>7629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kforce Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>493732101</cusip>
    <value>3380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly Clark Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>494368103</cusip>
    <value>32724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly Clark Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>494368103</cusip>
    <value>28456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12</Sole>
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      <None>0</None>
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      <sshPrnamt>13145</sshPrnamt>
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      <Sole>13064</Sole>
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      <sshPrnamt>1392</sshPrnamt>
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      <Sole>1392</Sole>
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      <None>0</None>
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      <sshPrnamt>26</sshPrnamt>
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    <votingAuthority>
      <Sole>26</Sole>
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      <None>0</None>
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      <sshPrnamt>375</sshPrnamt>
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      <sshPrnamt>100</sshPrnamt>
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      <sshPrnamt>300</sshPrnamt>
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      <sshPrnamt>97</sshPrnamt>
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      <sshPrnamt>8</sshPrnamt>
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      <Sole>8</Sole>
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      <sshPrnamt>107</sshPrnamt>
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    <votingAuthority>
      <Sole>107</Sole>
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      <sshPrnamt>500</sshPrnamt>
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      <sshPrnamt>6470</sshPrnamt>
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      <Sole>6470</Sole>
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      <sshPrnamt>17</sshPrnamt>
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    <nameOfIssuer>Occiden Pete Warrant</nameOfIssuer>
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      <sshPrnamt>55</sshPrnamt>
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      <sshPrnamt>23</sshPrnamt>
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      <sshPrnamt>150</sshPrnamt>
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    <cusip>69331C108</cusip>
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      <sshPrnamt>57</sshPrnamt>
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    <cusip>695127100</cusip>
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      <sshPrnamt>52</sshPrnamt>
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      <sshPrnamt>28</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>2975</sshPrnamt>
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    <votingAuthority>
      <Sole>2944</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
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      <sshPrnamt>32</sshPrnamt>
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      <Sole>32</Sole>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>10443</Sole>
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    <value>52514</value>
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      <sshPrnamt>673</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>422</Sole>
      <Shared>251</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pepsico Inc</nameOfIssuer>
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    <cusip>713448108</cusip>
    <value>273100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1606</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>713448108</cusip>
    <value>238070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>400</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Permian Resources CO</nameOfIssuer>
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    <cusip>71424F105</cusip>
    <value>2463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>181</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
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    <cusip>717081103</cusip>
    <value>307401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10622</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
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    <cusip>717081103</cusip>
    <value>101232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2250</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Phillip Morris Intl</nameOfIssuer>
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    <cusip>718172109</cusip>
    <value>119093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>981</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>981</Sole>
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      <None>0</None>
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  <infoTable>
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    <value>26344</value>
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      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>217</Sole>
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      <None>0</None>
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    <nameOfIssuer>Phillips 66</nameOfIssuer>
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    <value>12488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pinnacle West Cap</nameOfIssuer>
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    <value>44295</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>
    </votingAuthority>
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    <nameOfIssuer>Pinterest Inc</nameOfIssuer>
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    <cusip>72352L106</cusip>
    <value>35672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1102</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Power Integrations</nameOfIssuer>
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    <value>2180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Procter And Gamble</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>742718109</cusip>
    <value>1803185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10411</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10369</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Procter And Gamble</nameOfIssuer>
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    <value>119681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>316</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Progressive</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>10912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Prudential Finl</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>744320102</cusip>
    <value>40932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>338</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Prudential Finl</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>744320102</cusip>
    <value>36330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Qualcomm Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>747525103</cusip>
    <value>228377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1343</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Qurate Retail Group</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>74915M100</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Raymond James</nameOfIssuer>
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    <cusip>754730109</cusip>
    <value>7715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Rayonier Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>754907103</cusip>
    <value>106934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3323</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Rtx Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>4692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4692</Sole>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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  <infoTable>
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      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64</Sole>
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  <infoTable>
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      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Restaurant Brands In</nameOfIssuer>
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      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
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      <None>0</None>
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    <nameOfIssuer>Shell PLC-ADR</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>4149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>4149</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Shell PLC-ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259305</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>Sm Energy CO</nameOfIssuer>
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    <cusip>78454L100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF Tr</nameOfIssuer>
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    <cusip>78462F103</cusip>
    <value>798100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1391</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1391</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>78463M107</cusip>
    <value>2913</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>SPDR Gold Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78463V107</cusip>
    <value>239657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>986</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Portfolio S&amp;P</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A409</cusip>
    <value>1246754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15032</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Portfolio S&amp;P 500</nameOfIssuer>
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    <cusip>78464A508</cusip>
    <value>61159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1157</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR DJ Indust ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78467X109</cusip>
    <value>639757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1512</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Salesforce</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>79466L302</cusip>
    <value>474066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1732</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sanofi ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>80105N105</cusip>
    <value>576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>806857108</cusip>
    <value>105085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2505</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>806857108</cusip>
    <value>25170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>13329</Sole>
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      <None>0</None>
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      <sshPrnamt>298</sshPrnamt>
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    <votingAuthority>
      <Sole>298</Sole>
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      <None>0</None>
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    <nameOfIssuer>Schwab Dvd Equity</nameOfIssuer>
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      <sshPrnamt>4942</sshPrnamt>
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    <votingAuthority>
      <Sole>4942</Sole>
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      <None>0</None>
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      <sshPrnamt>3370</sshPrnamt>
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      <Sole>3370</Sole>
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    <nameOfIssuer>Scotts Miracle</nameOfIssuer>
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      <sshPrnamt>81</sshPrnamt>
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      <Sole>81</Sole>
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      <None>0</None>
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    <nameOfIssuer>Sealed Air Corp</nameOfIssuer>
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      <sshPrnamt>112</sshPrnamt>
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    <nameOfIssuer>Selective Insurance</nameOfIssuer>
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      <sshPrnamt>48</sshPrnamt>
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      <Sole>5</Sole>
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      <None>0</None>
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      <sshPrnamt>20</sshPrnamt>
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      <Sole>20</Sole>
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      <None>0</None>
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    <nameOfIssuer>Simon Ppty Group</nameOfIssuer>
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      <sshPrnamt>100</sshPrnamt>
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      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Simon Ppty Group</nameOfIssuer>
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      <sshPrnamt>300</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Simulations Plus Inc</nameOfIssuer>
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      <sshPrnamt>34</sshPrnamt>
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      <Sole>34</Sole>
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    <nameOfIssuer>Skyworks Solutions</nameOfIssuer>
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      <sshPrnamt>20</sshPrnamt>
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      <Sole>20</Sole>
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      <None>0</None>
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    <nameOfIssuer>Smucker J M</nameOfIssuer>
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      <sshPrnamt>23</sshPrnamt>
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    <nameOfIssuer>Spirt Aeosys Hdgs</nameOfIssuer>
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      <sshPrnamt>30</sshPrnamt>
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    <nameOfIssuer>Stewart Information</nameOfIssuer>
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    <value>3737</value>
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      <sshPrnamt>18</sshPrnamt>
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    <nameOfIssuer>Taiwan Semicondtor</nameOfIssuer>
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      <sshPrnamt>13</sshPrnamt>
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    <cusip>88160R101</cusip>
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  <infoTable>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1741</Sole>
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    <nameOfIssuer>Thermo Fisher Scient</nameOfIssuer>
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      <sshPrnamt>2015</sshPrnamt>
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    <votingAuthority>
      <Sole>2000</Sole>
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  <infoTable>
    <nameOfIssuer>Thermo Fisher Scient</nameOfIssuer>
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    <value>38970</value>
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      <sshPrnamt>63</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>63</Sole>
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    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>9842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Toronto-Dominion</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>891160509</cusip>
    <value>31630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Toyota Motor Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>892331307</cusip>
    <value>3571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Cos Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89417E109</cusip>
    <value>11940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Travelers Cos Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89417E109</cusip>
    <value>70236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Truist Fin Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>5132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Tyson Foods Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>902494103</cusip>
    <value>18344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>308</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Umb Finl Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>902788108</cusip>
    <value>3364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Uber Technologies</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>90353T100</cusip>
    <value>1127</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ulta Salon Cosmetics</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>90384S303</cusip>
    <value>8950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Unilever PLC ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>904767704</cusip>
    <value>715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11</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>375882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1525</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>907818108</cusip>
    <value>394368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1600</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>United Airlines Hldg</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>910047109</cusip>
    <value>13694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>United Parcel Svc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>911312106</cusip>
    <value>20996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>154</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>United Rentals Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>911363109</cusip>
    <value>27531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US Foods Holdings CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>912008109</cusip>
    <value>18512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Unitedhealth Grp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1103876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1888</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Unitedhealth Grp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91324P102</cusip>
    <value>26311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>918204108</cusip>
    <value>15960</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Valero Refng &amp; Mktg</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>27006</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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  <infoTable>
    <nameOfIssuer>Vaneck Agribus ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92189F700</cusip>
    <value>302040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Div Appr ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921908844</cusip>
    <value>198060</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>Vanguard Mega Cap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921910873</cusip>
    <value>1672338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8093</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Intermed</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921937819</cusip>
    <value>23903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>305</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard S/B ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921937827</cusip>
    <value>1967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Total Bond</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921937835</cusip>
    <value>8262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921943858</cusip>
    <value>6404427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>121066</Sole>
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      <None>207</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921943858</cusip>
    <value>270387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2501</Sole>
      <Shared>2619</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Tot World</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922042742</cusip>
    <value>20349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard FTSE Emerging Mkt</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922042858</cusip>
    <value>932405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19486</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Discretionar</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A108</cusip>
    <value>2398001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6972</Sole>
      <Shared>71</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Consumer Discretionar</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A108</cusip>
    <value>134490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>395</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Staple ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A207</cusip>
    <value>976387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4431</Sole>
      <Shared>38</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Consumer Staple ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A207</cusip>
    <value>60737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>278</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Energy ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A306</cusip>
    <value>988578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8001</Sole>
      <Shared>71</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Energy ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A306</cusip>
    <value>54622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Financial ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A405</cusip>
    <value>2715656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24456</Sole>
      <Shared>252</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Financial ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A405</cusip>
    <value>129694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1180</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A504</cusip>
    <value>3242196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11369</Sole>
      <Shared>120</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A504</cusip>
    <value>143922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <shrsOrPrnAmt>
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      <sshPrnamt>2372</sshPrnamt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>Visa Inc Cl A Shs</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1180360</value>
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    <votingAuthority>
      <Sole>4261</Sole>
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  <infoTable>
    <nameOfIssuer>Visa Inc Cl A Shs</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
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    <nameOfIssuer>Wec Energy Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92939U106</cusip>
    <value>5482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>WisdomTree Intl Hedged Qual Di</nameOfIssuer>
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      <sshPrnamt>140</sshPrnamt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <sshPrnamtType>SH</sshPrnamtType>
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</SEC-DOCUMENT>
