<SEC-DOCUMENT>0001104659-25-003056.txt : 20250113
<SEC-HEADER>0001104659-25-003056.hdr.sgml : 20250113
<ACCEPTANCE-DATETIME>20250113162658
ACCESSION NUMBER:		0001104659-25-003056
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250113
DATE AS OF CHANGE:		20250113
EFFECTIVENESS DATE:		20250113

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:		25526655

	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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          <cik>0000714562</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2024</periodOfReport>
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      <reportCalendarOrQuarter>12-31-2024</reportCalendarOrQuarter>
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        <name>FIRST FINANCIAL CORP /IN/</name>
        <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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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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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>01-07-2025</signatureDate>
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      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CTS Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126501105</cusip>
    <value>2478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cnx Resources Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12653C108</cusip>
    <value>5867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CVS/Caremark Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126650100</cusip>
    <value>37259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Coterra Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>127097103</cusip>
    <value>5798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Capital One</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14040H105</cusip>
    <value>54566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>29568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>250</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carmax Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>143130102</cusip>
    <value>62056</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carnival Corp</nameOfIssuer>
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    <cusip>143658300</cusip>
    <value>2492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>243552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3568</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>20478</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>Caterpillar Tractor</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>329386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>908</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Caterpillar Tractor</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>181380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>Centene Corp</nameOfIssuer>
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    <cusip>15135B101</cusip>
    <value>1090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18</Sole>
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      <None>0</None>
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    <nameOfIssuer>Centerpoint Energy</nameOfIssuer>
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    <cusip>15189T107</cusip>
    <value>6346</value>
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      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>Chevron Corp</nameOfIssuer>
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    <cusip>166764100</cusip>
    <value>613687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4237</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4237</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>226385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1563</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1563</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Chipotle Mex Grill</nameOfIssuer>
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    <cusip>169656105</cusip>
    <value>50773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>842</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>842</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
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    <cusip>17275R102</cusip>
    <value>335782</value>
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      <sshPrnamt>5672</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5672</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
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    <nameOfIssuer>Citigroup Inc</nameOfIssuer>
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    <value>60324</value>
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      <sshPrnamt>857</sshPrnamt>
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    <votingAuthority>
      <Sole>857</Sole>
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      <None>0</None>
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    <nameOfIssuer>Citizens Financial G</nameOfIssuer>
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      <sshPrnamt>1800</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Clorox CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>189054109</cusip>
    <value>1299</value>
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      <None>0</None>
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    <nameOfIssuer>Coca-Cola Consldtd</nameOfIssuer>
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    <value>3780</value>
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      <sshPrnamt>3</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Coca Cola CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>12188</sshPrnamt>
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    <votingAuthority>
      <Sole>12188</Sole>
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  <infoTable>
    <nameOfIssuer>Coca Cola CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191216100</cusip>
    <value>87164</value>
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    <nameOfIssuer>Cognizant Tech</nameOfIssuer>
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    <cusip>192446102</cusip>
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      <sshPrnamt>139</sshPrnamt>
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      <Sole>139</Sole>
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    <nameOfIssuer>Colgate-Palmolive CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>194162103</cusip>
    <value>179729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1977</sshPrnamt>
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      <Sole>1977</Sole>
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    <titleOfClass>Com</titleOfClass>
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    <value>10273</value>
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      <sshPrnamt>113</sshPrnamt>
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      <Sole>113</Sole>
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  <infoTable>
    <nameOfIssuer>Comcast Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
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  <infoTable>
    <nameOfIssuer>Comcast Corp</nameOfIssuer>
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    <nameOfIssuer>Comerica Inc</nameOfIssuer>
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    <nameOfIssuer>Conagra Brands</nameOfIssuer>
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    <cusip>205887102</cusip>
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      <Sole>2886</Sole>
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  <infoTable>
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    <cusip>205887102</cusip>
    <value>53780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1938</sshPrnamt>
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      <Sole>1938</Sole>
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  <infoTable>
    <nameOfIssuer>Conocophillips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>86377</value>
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      <sshPrnamt>871</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>871</Sole>
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  <infoTable>
    <nameOfIssuer>Conocophillips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>99170</value>
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      <sshPrnamt>1000</sshPrnamt>
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      <Sole>1000</Sole>
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  <infoTable>
    <nameOfIssuer>Constellation Brands</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>21036P108</cusip>
    <value>15028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>68</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Constellation Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>21037T109</cusip>
    <value>37136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>166</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Corning Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>219350105</cusip>
    <value>1045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Corteva Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22052L104</cusip>
    <value>34518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>606</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Costco Whsl Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160K105</cusip>
    <value>959335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1047</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cummins Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>231021106</cusip>
    <value>119918</value>
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      <sshPrnamt>344</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>144</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57</Sole>
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      <None>0</None>
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    <cusip>233331107</cusip>
    <value>28376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Dt Midstream Inc</nameOfIssuer>
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    <cusip>23345M107</cusip>
    <value>11633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>117</Sole>
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      <None>0</None>
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      <sshPrnamt>1040</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1040</Sole>
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      <None>0</None>
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    <cusip>235851102</cusip>
    <value>12166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>237194105</cusip>
    <value>65342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>0</None>
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    <cusip>237194105</cusip>
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      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <Shared>300</Shared>
      <None>0</None>
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      <sshPrnamt>173</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>187</Sole>
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      <None>0</None>
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    <nameOfIssuer>Diamondback Energy</nameOfIssuer>
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    <cusip>25278X109</cusip>
    <value>19987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>122</Sole>
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      <None>0</None>
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    <nameOfIssuer>Diamondback Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>25278X109</cusip>
    <value>49149</value>
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      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>Digital Realty Trust</nameOfIssuer>
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    <value>41673</value>
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      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>235</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Direxion S Daily</nameOfIssuer>
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      <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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    <value>449186</value>
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      <sshPrnamt>4034</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4034</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Walt Disney CO</nameOfIssuer>
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      <sshPrnamt>250</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>Discover Finl Svc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>122</Sole>
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      <None>0</None>
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      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>266</Sole>
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      <None>0</None>
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    <nameOfIssuer>Dominion Resources</nameOfIssuer>
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      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Dominion Resources</nameOfIssuer>
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    <value>16158</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <Sole>430</Sole>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <sshPrnamt>2017</sshPrnamt>
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    <votingAuthority>
      <Sole>2017</Sole>
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      <sshPrnamt>1475</sshPrnamt>
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      <Sole>1475</Sole>
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      <sshPrnamt>689</sshPrnamt>
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    <votingAuthority>
      <Sole>689</Sole>
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      <sshPrnamt>258</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>258</Sole>
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      <None>0</None>
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      <sshPrnamt>773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>773</Sole>
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    <nameOfIssuer>Edwards Lifesciences</nameOfIssuer>
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      <sshPrnamt>1204</sshPrnamt>
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    <votingAuthority>
      <Sole>1204</Sole>
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      <sshPrnamt>1</sshPrnamt>
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    <cusip>291011104</cusip>
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      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Emerson Elec CO</nameOfIssuer>
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    <value>148716</value>
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      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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    </votingAuthority>
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    <cusip>29250N105</cusip>
    <value>12729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Enterprise Products         Pa</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>293792107</cusip>
    <value>145793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>53312</value>
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      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Equifax Ind</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>36953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>145</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
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    <value>61550</value>
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      <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>
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  <infoTable>
    <nameOfIssuer>Eversource Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>976</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>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>30161N101</cusip>
    <value>18820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1454454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13478</Sole>
      <Shared>43</Shared>
      <None>0</None>
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    <cusip>30231G102</cusip>
    <value>515153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2475</Sole>
      <Shared>2314</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Fmc Corp</nameOfIssuer>
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    <value>778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Meta Platform Inc</nameOfIssuer>
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    <cusip>30303M102</cusip>
    <value>1672217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2838</Sole>
      <Shared>18</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Meta Platform Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30303M102</cusip>
    <value>247085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>322</Sole>
      <Shared>100</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Busey Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>319383204</cusip>
    <value>107691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4569</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>First Financial Corp</nameOfIssuer>
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    <cusip>320218100</cusip>
    <value>30655241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>663677</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>612890</Sole>
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      <None>50787</None>
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  <infoTable>
    <nameOfIssuer>First Financial Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320218100</cusip>
    <value>4525558</value>
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      <sshPrnamt>97977</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5099</Sole>
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      <None>92878</None>
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    <value>107970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
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  <infoTable>
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    <value>107970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>First Trust Morn Dvd</nameOfIssuer>
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    <value>75488</value>
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      <sshPrnamt>1875</sshPrnamt>
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    <votingAuthority>
      <Sole>1875</Sole>
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      <None>0</None>
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    <value>163548</value>
    <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>
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    <value>7236</value>
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      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>402</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>164880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3046</sshPrnamt>
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    <votingAuthority>
      <Sole>3046</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>First Tr Exchange-Traded FD VI</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33739H101</cusip>
    <value>23571</value>
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      <sshPrnamt>985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>985</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Firstenergy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>337932107</cusip>
    <value>10860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>273</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Flexshares Global Up</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L407</cusip>
    <value>53995</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>
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  <infoTable>
    <nameOfIssuer>Flexshares Quality D</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L860</cusip>
    <value>155281</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>18675</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>
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    <cusip>35137L105</cusip>
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    <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>3703</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>
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    <value>171322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4499</Sole>
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    <nameOfIssuer>Gatx Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>6198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GE Vernova Inc</nameOfIssuer>
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    <cusip>36828A101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>93</Sole>
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      <sshPrnamt>996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>996</Sole>
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  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
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      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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      <sshPrnamt>475</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>680</Sole>
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  <infoTable>
    <nameOfIssuer>General  Motors</nameOfIssuer>
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    <value>906</value>
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      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
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  <infoTable>
    <nameOfIssuer>General  Motors</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>37045V100</cusip>
    <value>37289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Genuine Parts C/sh</nameOfIssuer>
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    <cusip>372460105</cusip>
    <value>44019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>377</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>German Amer Banc</nameOfIssuer>
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    <cusip>373865104</cusip>
    <value>115150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2863</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
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    <cusip>375558103</cusip>
    <value>68261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>739</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Gsk PLC-Spon ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>9199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>272</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Global Payments Inc</nameOfIssuer>
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    <cusip>37940X102</cusip>
    <value>35635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>318</Sole>
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      <None>0</None>
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  <infoTable>
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    <value>30921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>W. W. Grainger, Inc.</nameOfIssuer>
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    <value>2108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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      <Sole>2</Sole>
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  <infoTable>
    <nameOfIssuer>HCA Hldgs Inc</nameOfIssuer>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>405552100</cusip>
    <value>239</value>
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      <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>
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    <titleOfClass>Com</titleOfClass>
    <cusip>406216101</cusip>
    <value>5520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>203</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>Halliburton CO</nameOfIssuer>
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    <value>19033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>437076102</cusip>
    <value>1498000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3827</Sole>
      <Shared>24</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>437076102</cusip>
    <value>116308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Honeywell Int'l Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>438516106</cusip>
    <value>512770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Howmet Aerospace Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>443201108</cusip>
    <value>26577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICF International</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>44925C103</cusip>
    <value>4292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Icu Med</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>44930G107</cusip>
    <value>31034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Illinois Tool Works</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>452308109</cusip>
    <value>75561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>458140100</cusip>
    <value>92310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>458140100</cusip>
    <value>88220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Integer Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>45826H109</cusip>
    <value>6228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intercontinental</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>45866F104</cusip>
    <value>62286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IBM</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>459200101</cusip>
    <value>164213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>747</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IBM</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>459200101</cusip>
    <value>79139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>160</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco QQQTrust SE</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46090E103</cusip>
    <value>1338911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco Optimum Yld</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46090F100</cusip>
    <value>20433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intuit</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>461202103</cusip>
    <value>71649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intuitive Surgical</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46120E602</cusip>
    <value>11483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invseco Nasdaq 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G649</cusip>
    <value>1459471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6897</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invseco Nasdaq 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G649</cusip>
    <value>35145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco S&amp;P Mid Cap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G672</cusip>
    <value>218629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Iron Mountain Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46284V101</cusip>
    <value>157665</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>35400</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>140959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core S&amp;P Total US Stoc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287150</cusip>
    <value>73699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Div ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287168</cusip>
    <value>1444</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>157548</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>228997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287226</cusip>
    <value>183819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1897</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P 500/Grth</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287309</cusip>
    <value>81732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P Value ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287408</cusip>
    <value>69862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Eafe ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287465</cusip>
    <value>139425</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>73720</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>347149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Midcap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287481</cusip>
    <value>321818</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>427856</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>166056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Global 100</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287572</cusip>
    <value>16426</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>744963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2661</Sole>
      <Shared>1363</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287598</cusip>
    <value>229561</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>989493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287622</cusip>
    <value>1480970</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 Russell 2000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287655</cusip>
    <value>81313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core Russell</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287663</cusip>
    <value>162866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>1421492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15205</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Real Est.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>30803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>iShares S&amp;P Smallcap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287804</cusip>
    <value>209470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares S&amp;P Sm Cap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287887</cusip>
    <value>81222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares JPMorgan Emerg</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288281</cusip>
    <value>40424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>iShares Natl Muni</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288414</cusip>
    <value>47948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>iShares MSCI Eafe Grw</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288885</cusip>
    <value>165773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares Core MSCI Ea</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46432F842</cusip>
    <value>324272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core MSCI Em</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46434G103</cusip>
    <value>86476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares MSCI Emr Mrk</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46434G764</cusip>
    <value>2883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Tr Core Total</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46434V613</cusip>
    <value>34668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>iShares Esg Aware</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46435G425</cusip>
    <value>10692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>83</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>iShares Broad Usd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46435U853</cusip>
    <value>43707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMorgan Chase</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2747556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11414</Sole>
      <Shared>48</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMorgan Chase</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46625H100</cusip>
    <value>107870</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>10556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>366612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson-Johnson</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>478160104</cusip>
    <value>86772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>171393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Keycorp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>493267108</cusip>
    <value>5982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>7710</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>Kimberly Clark Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>494368103</cusip>
    <value>61327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>468</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly Clark Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>494368103</cusip>
    <value>26208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Koninklijke Philips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>500472303</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Kontoor Brands Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>50050N103</cusip>
    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kraft Heinz CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>500754106</cusip>
    <value>1413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kyndryl Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3harris Technologie</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>502431109</cusip>
    <value>1893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Labcorp Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>504922105</cusip>
    <value>5962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lamb Weston Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>513272104</cusip>
    <value>61617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lamb Weston Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>513272104</cusip>
    <value>37091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lennar Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>526057104</cusip>
    <value>302469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eli Lilly &amp; CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>532457108</cusip>
    <value>2364636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3051</Sole>
      <Shared>12</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eli Lilly &amp; CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>532457108</cusip>
    <value>1112452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>539830109</cusip>
    <value>1330504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2717</Sole>
      <Shared>21</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>539830109</cusip>
    <value>70947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lowes Companies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>548661107</cusip>
    <value>324789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lowes Companies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>548661107</cusip>
    <value>13080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Occiden Pete Warrant</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>674599162</cusip>
    <value>689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Old Nat'l Bancorp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>680033107</cusip>
    <value>32558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Oneok, Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>682680103</cusip>
    <value>66967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Oracle Systems Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68389X105</cusip>
    <value>403269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Organon &amp; CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68622V106</cusip>
    <value>6714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Otis Worldwide Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68902V107</cusip>
    <value>143823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Otis Worldwide Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68902V107</cusip>
    <value>13892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>69331C108</cusip>
    <value>1150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Packaging Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>695156109</cusip>
    <value>6304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Packaging Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>695156109</cusip>
    <value>112565</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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  <infoTable>
    <nameOfIssuer>Palo Alto Networks I</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>697435105</cusip>
    <value>1104861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6010</Sole>
      <Shared>62</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Palo Alto Networks I</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>697435105</cusip>
    <value>27294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>704326107</cusip>
    <value>2664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Paypal Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>907014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10473</Sole>
      <Shared>154</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paypal Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>55221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>251</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pepsico Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>713448108</cusip>
    <value>292107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1921</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pepsico Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>713448108</cusip>
    <value>212884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>717081103</cusip>
    <value>266733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10054</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>717081103</cusip>
    <value>92802</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Phillip Morris Intl</nameOfIssuer>
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    <cusip>718172109</cusip>
    <value>116860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>971</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Phillip Morris Intl</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>718172109</cusip>
    <value>26116</value>
    <shrsOrPrnAmt>
      <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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  <infoTable>
    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>718546104</cusip>
    <value>84650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>743</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>743</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Pinnacle West Cap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>723484101</cusip>
    <value>42385</value>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pinterest Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>72352L106</cusip>
    <value>22649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>781</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter And Gamble</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>742718109</cusip>
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      <sshPrnamt>10860</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10818</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Procter And Gamble</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>320</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Progressive</nameOfIssuer>
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    <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>40063</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>
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    <value>35559</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>208155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1355</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Quest Diagnostics, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>74834L100</cusip>
    <value>37866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>251</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>16</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>9786</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>86730</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RTX Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>544000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4701</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RTX Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>34716</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>Republic Services</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>760759100</cusip>
    <value>12876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Republic Services</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>760759100</cusip>
    <value>502950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Restaurant Brands In</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>76131D103</cusip>
    <value>22813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ringcentral Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>76680R206</cusip>
    <value>2276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Shell PLC-ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259305</cusip>
    <value>265573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>4239</Sole>
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    <nameOfIssuer>Shell PLC-ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259305</cusip>
    <value>21928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF Tr</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>1391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1391</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SPS Commerce Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78463M107</cusip>
    <value>2760</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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    <nameOfIssuer>SPDR Gold Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <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>
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      <sshPrnamt>15032</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15032</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR Portfolio S&amp;P 500 Value E</nameOfIssuer>
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      <sshPrnamt>1157</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1157</Sole>
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      <None>0</None>
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      <sshPrnamt>1512</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <value>525567</value>
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      <sshPrnamt>1572</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1572</Sole>
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      <None>0</None>
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    <nameOfIssuer>Sanofi ADR</nameOfIssuer>
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    <value>482</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>
    </votingAuthority>
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    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
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    <cusip>806857108</cusip>
    <value>86648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2260</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>806857108</cusip>
    <value>23004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>808513105</cusip>
    <value>966053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12921</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>808513105</cusip>
    <value>28124</value>
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      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>380</Sole>
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      <None>0</None>
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    <nameOfIssuer>Schwab US Small-Cap</nameOfIssuer>
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      <sshPrnamt>596</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>596</Sole>
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      <None>0</None>
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    <nameOfIssuer>Schwab Dvd Equity</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>14526</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14526</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
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    <value>276205</value>
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      <sshPrnamt>10110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10110</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>81762P102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Shopify</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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    <nameOfIssuer>Simon Ppty Group</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>828806109</cusip>
    <value>17221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</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>Simon Ppty Group</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>828806109</cusip>
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      <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>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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    <nameOfIssuer>Smucker J M</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Smucker J M</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <cusip>833034101</cusip>
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      <sshPrnamt>23</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19</Sole>
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      <None>0</None>
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      <sshPrnamt>15</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>Starbucks Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>9938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9839</Sole>
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  <infoTable>
    <nameOfIssuer>Starbucks Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>855244109</cusip>
    <value>26554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>291</Sole>
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      <None>0</None>
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    <nameOfIssuer>State Street Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>857477103</cusip>
    <value>2945</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>
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    <nameOfIssuer>Stifel Finl Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>860630102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88</Sole>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
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    <value>412711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11437</Sole>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>867224107</cusip>
    <value>12845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>360</Sole>
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      <None>0</None>
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    <cusip>86771W105</cusip>
    <value>3534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>382</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Synopsys Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>871607107</cusip>
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    <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>Sysco Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>871829107</cusip>
    <value>607322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7858</Sole>
      <Shared>85</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Sysco Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>871829107</cusip>
    <value>21027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>275</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>872540109</cusip>
    <value>151979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1258</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>T-Mobile</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>872590104</cusip>
    <value>23177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Taiwan Semicondtor</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>874039100</cusip>
    <value>47003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>238</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>87612E106</cusip>
    <value>37850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Teradata Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88076W103</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Tesla Motors Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88160R101</cusip>
    <value>44826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Texas Instruments</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>882508104</cusip>
    <value>326455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1741</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Thermo Fisher Scient</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>883556102</cusip>
    <value>1048263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>15</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Thermo Fisher Scient</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>883556102</cusip>
    <value>34335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>66</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>10069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Toronto-Dominion</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>891160509</cusip>
    <value>26620</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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  <infoTable>
    <nameOfIssuer>Travelers Cos Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89417E109</cusip>
    <value>12285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Travelers Cos Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89417E109</cusip>
    <value>72267</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>Truist Fin Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>5206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Tyson Foods Inc</nameOfIssuer>
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    <cusip>902494103</cusip>
    <value>17692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>308</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US Bancorp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>902973304</cusip>
    <value>40847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>854</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Uber Technologies</nameOfIssuer>
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    <cusip>90353T100</cusip>
    <value>905</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>Unilever PLC ADR</nameOfIssuer>
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    <value>624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
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    <cusip>907818108</cusip>
    <value>347761</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>364864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>United Airlines Hldg</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>910047109</cusip>
    <value>23304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>United Parcel Svc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>911312106</cusip>
    <value>59393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>471</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>23951</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>20305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>301</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Unitedhealth Grp</nameOfIssuer>
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    <cusip>91324P102</cusip>
    <value>989462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1956</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Unitedhealth Grp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91324P102</cusip>
    <value>22764</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>
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  <infoTable>
    <nameOfIssuer>V F Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>918204108</cusip>
    <value>386</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>
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  <infoTable>
    <nameOfIssuer>V F Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>918204108</cusip>
    <value>17168</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>
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  <infoTable>
    <nameOfIssuer>Valero Refng &amp; Mktg</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>24518</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>258080</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>
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  <infoTable>
    <nameOfIssuer>Vanguard Div Appr ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921908844</cusip>
    <value>195830</value>
    <shrsOrPrnAmt>
      <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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  <infoTable>
    <nameOfIssuer>Vanguard Mega Cap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921910873</cusip>
    <value>1063300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Intermed</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921937819</cusip>
    <value>22793</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>1932</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>7910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921943858</cusip>
    <value>6481618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135542</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>134957</Sole>
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      <None>585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921943858</cusip>
    <value>244838</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Tot World</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922042742</cusip>
    <value>9281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>79</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard FTSE Emerging Mkt</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922042858</cusip>
    <value>1024767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23269</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Consumer Discretionar</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A108</cusip>
    <value>2724883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7188</Sole>
      <Shared>71</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Discretionar</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A108</cusip>
    <value>150527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>401</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Staple ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A207</cusip>
    <value>975730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4578</Sole>
      <Shared>38</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Staple ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A207</cusip>
    <value>59821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>283</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Energy ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A306</cusip>
    <value>1005175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8215</Sole>
      <Shared>71</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Energy ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <cusip>92826C839</cusip>
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      <sshPrnamt>4286</sshPrnamt>
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    <votingAuthority>
      <Sole>4254</Sole>
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      <sshPrnamt>322</sshPrnamt>
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      <Sole>322</Sole>
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      <None>0</None>
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      <sshPrnamt>17</sshPrnamt>
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      <None>0</None>
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      <Sole>81</Sole>
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      <Sole>368</Sole>
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    <nameOfIssuer>Waste Connections</nameOfIssuer>
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      <sshPrnamt>3809</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3809</Sole>
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      <None>0</None>
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    <value>140480</value>
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      <sshPrnamt>2000</sshPrnamt>
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      <Sole>2000</Sole>
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    <value>2273</value>
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      <sshPrnamt>42</sshPrnamt>
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    <cusip>97717X578</cusip>
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    <nameOfIssuer>WisdomTree Intl Hedged Qual Di</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>141278</value>
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    <nameOfIssuer>SPDR Gold MiniShares</nameOfIssuer>
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    <value>3951</value>
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      <sshPrnamt>76</sshPrnamt>
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    <value>46454</value>
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    <value>20795</value>
    <shrsOrPrnAmt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>497783</value>
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    <titleOfClass>Com</titleOfClass>
    <cusip>G29183103</cusip>
    <value>60732</value>
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      <sshPrnamt>183</sshPrnamt>
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    <cusip>G5960L103</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>50319</value>
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      <sshPrnamt>583</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <value>1418</value>
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</SEC-DOCUMENT>
