<SEC-DOCUMENT>0001104659-25-033610.txt : 20250410
<SEC-HEADER>0001104659-25-033610.hdr.sgml : 20250410
<ACCEPTANCE-DATETIME>20250410092823
ACCESSION NUMBER:		0001104659-25-033610
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250331
FILED AS OF DATE:		20250410
DATE AS OF CHANGE:		20250410
EFFECTIVENESS DATE:		20250410

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
		EIN:				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:		25826714

	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>
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      <periodOfReport>03-31-2025</periodOfReport>
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        <name>FIRST FINANCIAL CORP /IN/</name>
        <address>
          <ns1:street1>One First Financial Plaza</ns1:street1>
          <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>/s/ Jennifer L Hanley</signature>
      <city>Terre Haute</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>04-04-2025</signatureDate>
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      <sshPrnamt>3034</sshPrnamt>
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      <Sole>3034</Sole>
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    <nameOfIssuer>Applied Materials</nameOfIssuer>
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    <value>19736</value>
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      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>136</Sole>
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      <None>0</None>
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    <cusip>049560105</cusip>
    <value>30916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Automatic Data Proce</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>053015103</cusip>
    <value>261228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>855</Sole>
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      <None>0</None>
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    <cusip>053332102</cusip>
    <value>22877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6</Sole>
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      <None>0</None>
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    <nameOfIssuer>Avalonbay Comm</nameOfIssuer>
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    <cusip>053484101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BP P.L.C.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>14369</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14369</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BP P.L.C.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>055622104</cusip>
    <value>44670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1322</sshPrnamt>
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    <votingAuthority>
      <Sole>1322</Sole>
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      <None>0</None>
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    <value>485236</value>
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      <sshPrnamt>11628</sshPrnamt>
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    <votingAuthority>
      <Sole>11628</Sole>
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      <None>0</None>
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    <nameOfIssuer>Bank Of New York Mellon Corp</nameOfIssuer>
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    <cusip>064058100</cusip>
    <value>87812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1047</sshPrnamt>
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    <votingAuthority>
      <Sole>1047</Sole>
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      <None>0</None>
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    <cusip>071813109</cusip>
    <value>34230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <cusip>075887109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
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    <votingAuthority>
      <Sole>7</Sole>
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      <None>0</None>
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    <nameOfIssuer>Berkshire Hathaway</nameOfIssuer>
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    <cusip>084670702</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>132</Sole>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway</nameOfIssuer>
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      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>BHP Billiton Ltd ADR</nameOfIssuer>
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      <sshPrnamt>9058</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8999</Sole>
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    <titleOfClass>Com</titleOfClass>
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    <value>7718</value>
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      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>159</Sole>
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      <None>0</None>
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    <nameOfIssuer>Blackstone Inc</nameOfIssuer>
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    <cusip>09260D107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>451</Sole>
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      <None>0</None>
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    <nameOfIssuer>Blackrock Inc N/sh</nameOfIssuer>
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    <cusip>09290D101</cusip>
    <value>187403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>198</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Blackrock Inc N/sh</nameOfIssuer>
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    <value>56789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
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      <None>0</None>
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    <nameOfIssuer>Boeing Company</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>42</Sole>
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      <None>0</None>
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    <nameOfIssuer>Booking Holdings Inc</nameOfIssuer>
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    <cusip>09857L108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
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    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>8742</sshPrnamt>
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    <votingAuthority>
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  <infoTable>
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      <sshPrnamt>1000</sshPrnamt>
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      <sshPrnamt>9290</sshPrnamt>
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      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>CBRE Group Inc</nameOfIssuer>
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      <sshPrnamt>99</sshPrnamt>
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    <nameOfIssuer>C.H. Robinson Worldwide, Inc.</nameOfIssuer>
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      <sshPrnamt>300</sshPrnamt>
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    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>1480</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>Cnx Resources Corp</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>CVS/Caremark Corp</nameOfIssuer>
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      <sshPrnamt>600</sshPrnamt>
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      <sshPrnamt>227</sshPrnamt>
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    <votingAuthority>
      <Sole>227</Sole>
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      <None>0</None>
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    <nameOfIssuer>Capital One</nameOfIssuer>
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    <cusip>14040H105</cusip>
    <value>54866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>306</Sole>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>34443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>Carmax Inc</nameOfIssuer>
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    <cusip>143130102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>460</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carnival Corp</nameOfIssuer>
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    <cusip>143658300</cusip>
    <value>1953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <cusip>14448C104</cusip>
    <value>226211</value>
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      <sshPrnamt>3568</sshPrnamt>
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      <Sole>3568</Sole>
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  <infoTable>
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      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <cusip>149123101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>808</sshPrnamt>
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    <votingAuthority>
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  <infoTable>
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      <sshPrnamt>500</sshPrnamt>
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    <votingAuthority>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>15189T107</cusip>
    <value>7246</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>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <nameOfIssuer>Dominion Resources</nameOfIssuer>
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      <sshPrnamt>1784</sshPrnamt>
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    <value>63058</value>
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      <sshPrnamt>517</sshPrnamt>
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    <votingAuthority>
      <Sole>517</Sole>
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      <None>0</None>
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    <nameOfIssuer>Dupont DE Nemours In</nameOfIssuer>
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    <cusip>26614N102</cusip>
    <value>110153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1475</sshPrnamt>
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    <votingAuthority>
      <Sole>1475</Sole>
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      <None>0</None>
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    <nameOfIssuer>Eog Resources</nameOfIssuer>
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    <cusip>26875P101</cusip>
    <value>88357</value>
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      <sshPrnamt>689</sshPrnamt>
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    <votingAuthority>
      <Sole>689</Sole>
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      <None>0</None>
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      <sshPrnamt>200</sshPrnamt>
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      <Sole>200</Sole>
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      <None>0</None>
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    <value>184816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>729</sshPrnamt>
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    <votingAuthority>
      <Sole>729</Sole>
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      <None>0</None>
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    <nameOfIssuer>Edwards Lifesciences</nameOfIssuer>
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      <sshPrnamt>954</sshPrnamt>
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    <votingAuthority>
      <Sole>954</Sole>
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      <None>0</None>
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      <sshPrnamt>1</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Emerson Elec CO</nameOfIssuer>
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    <value>138256</value>
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      <sshPrnamt>1261</sshPrnamt>
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    <votingAuthority>
      <Sole>61</Sole>
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      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>Enterprise Products         Pa</nameOfIssuer>
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    <cusip>293792107</cusip>
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      <sshPrnamt>4649</sshPrnamt>
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    <votingAuthority>
      <Sole>4649</Sole>
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      <None>0</None>
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    <nameOfIssuer>Enterprise Products         Pa</nameOfIssuer>
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      <sshPrnamt>1700</sshPrnamt>
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    <nameOfIssuer>Equifax Ind</nameOfIssuer>
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    <nameOfIssuer>Eversource Energy</nameOfIssuer>
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      <sshPrnamt>17</sshPrnamt>
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    <nameOfIssuer>Eversource Energy</nameOfIssuer>
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      <None>0</None>
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    <votingAuthority>
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    <nameOfIssuer>Meta Platform Inc</nameOfIssuer>
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    <nameOfIssuer>First Trust Morn Dvd</nameOfIssuer>
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    <nameOfIssuer>First Tr Exchange-Traded FD VI</nameOfIssuer>
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    <cusip>33739H101</cusip>
    <value>25137</value>
    <shrsOrPrnAmt>
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    <cusip>337932107</cusip>
    <value>10065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>249</Sole>
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      <None>0</None>
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    <nameOfIssuer>Flexshares Global Up</nameOfIssuer>
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    <cusip>33939L407</cusip>
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      <sshPrnamt>1485</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Flexshares Quality D</nameOfIssuer>
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      <sshPrnamt>2201</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2201</Sole>
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      <None>0</None>
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    <nameOfIssuer>Fortive Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>34959J108</cusip>
    <value>18222</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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    <nameOfIssuer>Freeport-Mcmoran</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>35671D857</cusip>
    <value>8216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>217</Sole>
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    <nameOfIssuer>GE Vernova Inc</nameOfIssuer>
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    <cusip>36828A101</cusip>
    <value>28391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>93</Sole>
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    <cusip>369550108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>939</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>939</Sole>
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  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>40887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>GE Aerospace</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369604301</cusip>
    <value>95071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>475</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Gen Mills Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>370334104</cusip>
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      <sshPrnamt>1332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1332</Sole>
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      <None>0</None>
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    <value>44245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>740</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>General  Motors</nameOfIssuer>
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    <cusip>37045V100</cusip>
    <value>32921</value>
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      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>700</Sole>
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      <None>0</None>
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    <nameOfIssuer>Genuine Parts C/sh</nameOfIssuer>
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    <value>44916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>377</Sole>
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      <None>0</None>
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    <nameOfIssuer>German Amer Banc</nameOfIssuer>
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    <cusip>373865104</cusip>
    <value>107363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2863</sshPrnamt>
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      <Sole>2863</Sole>
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      <None>0</None>
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    <value>82805</value>
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      <sshPrnamt>739</sshPrnamt>
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      <Sole>739</Sole>
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      <None>0</None>
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    <nameOfIssuer>Gsk PLC-Spon ADR</nameOfIssuer>
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      <sshPrnamt>252</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>W. W. Grainger, Inc.</nameOfIssuer>
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      <sshPrnamt>2</sshPrnamt>
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      <sshPrnamt>500</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>25</sshPrnamt>
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      <Sole>25</Sole>
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      <None>0</None>
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      <sshPrnamt>4080</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>311</sshPrnamt>
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    <cusip>443201108</cusip>
    <value>31524</value>
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      <sshPrnamt>243</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <cusip>452308109</cusip>
    <value>81843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>330</Sole>
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      <None>0</None>
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      <sshPrnamt>3150</sshPrnamt>
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      <sshPrnamt>4400</sshPrnamt>
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      <Sole>4400</Sole>
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      <sshPrnamt>4798</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Invesco Optimum Yld</nameOfIssuer>
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    <value>21440</value>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>22</sshPrnamt>
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      <None>0</None>
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    <titleOfClass>Com</titleOfClass>
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    <value>1451703</value>
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      <sshPrnamt>7521</sshPrnamt>
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      <None>38</None>
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    <titleOfClass>Com</titleOfClass>
    <cusip>46138G649</cusip>
    <value>38025</value>
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      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <titleOfClass>Com</titleOfClass>
    <cusip>46138G672</cusip>
    <value>202922</value>
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      <Sole>1881</Sole>
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      <None>0</None>
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    <cusip>46284V101</cusip>
    <value>129060</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <value>42156</value>
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      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>715</Sole>
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      <None>0</None>
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    <cusip>464287101</cusip>
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      <sshPrnamt>488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>488</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares Core S&amp;P Total US Stoc</nameOfIssuer>
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    <cusip>464287150</cusip>
    <value>69912</value>
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      <sshPrnamt>573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>573</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>iShares Select Div ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287168</cusip>
    <value>1477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
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      <None>0</None>
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    <cusip>464287168</cusip>
    <value>161148</value>
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      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>iShares S&amp;P Core S&amp;P</nameOfIssuer>
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    <cusip>464287200</cusip>
    <value>218579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>389</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>389</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287226</cusip>
    <value>187651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1897</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares S&amp;P 500/Grth</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287309</cusip>
    <value>74728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>805</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares S&amp;P Value ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287408</cusip>
    <value>69752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>366</Sole>
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  <infoTable>
    <nameOfIssuer>iShares MSCI Eafe ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287465</cusip>
    <value>150710</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>79687</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>338103</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>296310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2522</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Mid</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287499</cusip>
    <value>411739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>155503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>iShares Global 100</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287572</cusip>
    <value>12036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287598</cusip>
    <value>745866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2601</Sole>
      <Shared>1363</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287598</cusip>
    <value>233318</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>839173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287622</cusip>
    <value>1410084</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>73412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>162338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Real Est.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>1533819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15949</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Real Est.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>33991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P Smallcap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287804</cusip>
    <value>190108</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P Sm Cap</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287887</cusip>
    <value>74700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares JPMorgan Emerg</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288281</cusip>
    <value>41128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Natl Muni</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288414</cusip>
    <value>47448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Eafe Grw</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288885</cusip>
    <value>171200</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core MSCI Ea</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46432F842</cusip>
    <value>349049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>89374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Emr Mrk</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46434G764</cusip>
    <value>2865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Tr Core Total</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46434V613</cusip>
    <value>35343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Broad Usd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46435U853</cusip>
    <value>43730</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>2769192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11241</Sole>
      <Shared>48</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMorgan Chase</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46625H100</cusip>
    <value>111121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson-Johnson</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>478160104</cusip>
    <value>475629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2468</Sole>
      <Shared>400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kla - Tencor Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>482480100</cusip>
    <value>184906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly Clark Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>494368103</cusip>
    <value>52337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kimberly Clark Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>494368103</cusip>
    <value>28444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kontoor Brands Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>50050N103</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>1400</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>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>1884</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>Lamb Weston Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>513272104</cusip>
    <value>11833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lamb Weston Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>513272104</cusip>
    <value>62628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lennar Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>526057104</cusip>
    <value>254582</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>2549584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3075</Sole>
      <Shared>12</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eli Lilly &amp; CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>532457108</cusip>
    <value>1204177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>539830109</cusip>
    <value>1375867</value>
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      <sshPrnamt>17</sshPrnamt>
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      <sshPrnamt>6573</sshPrnamt>
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      <sshPrnamt>251</sshPrnamt>
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      <sshPrnamt>3471</sshPrnamt>
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      <sshPrnamt>64</sshPrnamt>
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      <sshPrnamt>4130</sshPrnamt>
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      <sshPrnamt>350</sshPrnamt>
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      <sshPrnamt>1391</sshPrnamt>
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      <sshPrnamt>13</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
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      <sshPrnamt>182</sshPrnamt>
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    <votingAuthority>
      <Sole>182</Sole>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35</Sole>
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      <None>0</None>
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    <votingAuthority>
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      <sshPrnamt>427</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Vanguard Value ETF</nameOfIssuer>
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      <sshPrnamt>36</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Vanguard Small-Cap ETF</nameOfIssuer>
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      <sshPrnamt>17325</sshPrnamt>
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    <nameOfIssuer>Vanguard Small-Cap ETF</nameOfIssuer>
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    <votingAuthority>
      <Sole>543</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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    <votingAuthority>
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    <nameOfIssuer>Visa Inc Cl A Shs</nameOfIssuer>
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    <votingAuthority>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>WisdomTree Emerging Mkts</nameOfIssuer>
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    <votingAuthority>
      <Sole>22876</Sole>
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  <infoTable>
    <nameOfIssuer>WisdomTree Emerging Mkts</nameOfIssuer>
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      <sshPrnamt>1126</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WisdomTree Intl Hedged Qual Di</nameOfIssuer>
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    <nameOfIssuer>Zimmer Biomet Hldgs</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Accenture PLC</nameOfIssuer>
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      <sshPrnamt>1415</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1415</Sole>
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