<SEC-DOCUMENT>0001104659-25-066597.txt : 20250709
<SEC-HEADER>0001104659-25-066597.hdr.sgml : 20250709
<ACCEPTANCE-DATETIME>20250709082152
ACCESSION NUMBER:		0001104659-25-066597
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250709
DATE AS OF CHANGE:		20250709
EFFECTIVENESS DATE:		20250709

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:		251112327

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TERRE HAUTE FIRST CORP
		DATE OF NAME CHANGE:	19850808
</SEC-HEADER>
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      <periodOfReport>06-30-2025</periodOfReport>
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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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    <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>07-07-2025</signatureDate>
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    <cusip>007903107</cusip>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>Automatic Data Processing Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>053015103</cusip>
    <value>170854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>554</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Autozone Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>053332102</cusip>
    <value>22273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AvalonBay Communities Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>053484101</cusip>
    <value>50875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP P.L.C.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>055622104</cusip>
    <value>423240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14141</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP P.L.C.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>055622104</cusip>
    <value>39567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1322</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Bank of America Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>060505104</cusip>
    <value>505520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10683</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Baxter International Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>071813109</cusip>
    <value>30280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc Class B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>084670702</cusip>
    <value>64122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc Class B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>084670702</cusip>
    <value>72866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BHP Billiton Ltd ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>088606108</cusip>
    <value>432521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8935</Sole>
      <Shared>59</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BHP Billiton Ltd ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>088606108</cusip>
    <value>7646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>159</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackstone Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09260D107</cusip>
    <value>67461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackrock Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09290D101</cusip>
    <value>93383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackrock Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09290D101</cusip>
    <value>62955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boeing Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>097023105</cusip>
    <value>8800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Booking Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09857L108</cusip>
    <value>34735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>404667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8242</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>46290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>2560789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9290</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>275650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CBRE Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12504L109</cusip>
    <value>13872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>C.H. Robinson Worldwide, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12541W209</cusip>
    <value>28785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cigna Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>125523100</cusip>
    <value>42645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>129</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CMS Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>125896100</cusip>
    <value>102534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1480</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CNX Resources Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12653C108</cusip>
    <value>5389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CVS Health Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126650100</cusip>
    <value>41388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Coterra Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>127097103</cusip>
    <value>5761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>227</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Capital One Financial Corporat</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14040H105</cusip>
    <value>65105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>306</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>42000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>250</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carnival Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>143658300</cusip>
    <value>2812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>253384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3462</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>21957</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 Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>313674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>808</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>194105</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>Centerpoint Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15189T107</cusip>
    <value>7348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>544265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3801</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>222804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1556</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chipotle Mexican Grill Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>169656105</cusip>
    <value>965443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17194</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Chipotle Mexican Grill Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>169656105</cusip>
    <value>31107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>554</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>313945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4525</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
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    <nameOfIssuer>Cummins Inc</nameOfIssuer>
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    <nameOfIssuer>DNP Select Income Fund Inc</nameOfIssuer>
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    <nameOfIssuer>D.R. Horton, Inc.</nameOfIssuer>
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    <nameOfIssuer>DTE Energy Co</nameOfIssuer>
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      <sshPrnamt>2856</sshPrnamt>
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      <sshPrnamt>4569</sshPrnamt>
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    <nameOfIssuer>First Trust Morningstar Div Le</nameOfIssuer>
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    <nameOfIssuer>First Trust Inter Duration Pfd</nameOfIssuer>
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    <cusip>33718W103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8179</sshPrnamt>
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    <nameOfIssuer>First Trust Inter Duration Pfd</nameOfIssuer>
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    <nameOfIssuer>First Trust Financial AlphaDEX</nameOfIssuer>
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    <cusip>33734X135</cusip>
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      <sshPrnamt>3046</sshPrnamt>
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    <nameOfIssuer>First Trust Global Commodity S</nameOfIssuer>
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      <sshPrnamt>195</sshPrnamt>
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      <Sole>195</Sole>
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      <sshPrnamt>249</sshPrnamt>
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    <nameOfIssuer>FlexShares Global Natural Reso</nameOfIssuer>
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      <sshPrnamt>1485</sshPrnamt>
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    <nameOfIssuer>FlexShares Quality Dividend In</nameOfIssuer>
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      <sshPrnamt>2201</sshPrnamt>
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    <nameOfIssuer>Fortive Corporation</nameOfIssuer>
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      <sshPrnamt>149</sshPrnamt>
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      <Sole>149</Sole>
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    <nameOfIssuer>Freeport-McMoRan Inc.</nameOfIssuer>
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      <sshPrnamt>217</sshPrnamt>
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      <sshPrnamt>150</sshPrnamt>
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    <shrsOrPrnAmt>
      <sshPrnamt>2863</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
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    <value>8537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>GSK PLC - Spon ADR</nameOfIssuer>
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    <cusip>37733W204</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>252</Sole>
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      <None>0</None>
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    <nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer>
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    <cusip>38141G104</cusip>
    <value>38219</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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    <nameOfIssuer>HCA Healthcare Inc</nameOfIssuer>
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    <cusip>40412C101</cusip>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>Halliburton Co</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>700</Sole>
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      <None>0</None>
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    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
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      <sshPrnamt>4063</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4039</Sole>
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  <infoTable>
    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
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      <sshPrnamt>311</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>311</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>1189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1189</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Howmet Aerospace Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>243</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Illinois Tool Works</nameOfIssuer>
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    <value>2473</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>Intel Corp</nameOfIssuer>
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      <sshPrnamt>3150</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3150</Sole>
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      <None>0</None>
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      <sshPrnamt>4400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4400</Sole>
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      <None>0</None>
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      <sshPrnamt>5612</sshPrnamt>
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    <votingAuthority>
      <Sole>566</Sole>
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      <sshPrnamt>200</sshPrnamt>
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    <votingAuthority>
      <Sole>200</Sole>
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    <nameOfIssuer>Invesco QQQ Trust Series 1</nameOfIssuer>
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      <sshPrnamt>2501</sshPrnamt>
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    <votingAuthority>
      <Sole>2501</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>22</sshPrnamt>
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    <votingAuthority>
      <Sole>22</Sole>
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      <None>0</None>
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    <nameOfIssuer>Invesco NASDAQ 100 ETF</nameOfIssuer>
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      <sshPrnamt>7288</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>7288</Sole>
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      <None>0</None>
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      <sshPrnamt>243</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1881</Sole>
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      <Sole>1500</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>715</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares S&amp;P 100 ETF</nameOfIssuer>
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      <sshPrnamt>488</sshPrnamt>
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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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      <sshPrnamt>140</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares Select Dividend ETF</nameOfIssuer>
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      <sshPrnamt>11</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>iShares Select Dividend ETF</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>iShares S&amp;P Core S&amp;P</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
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    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>iShares Russell Mid-Cap Value</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>iShares Russell Mid-Cap Growth</nameOfIssuer>
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    <value>349751</value>
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      <sshPrnamt>2522</sshPrnamt>
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    <nameOfIssuer>iShares Russell Mid-Cap ETF</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares Core S&amp;P Mid-Cap ETF</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>iShares Global 100 ETF</nameOfIssuer>
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    <cusip>464287572</cusip>
    <value>4528</value>
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      <sshPrnamt>42</sshPrnamt>
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      <Sole>42</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares Russell 1000 Value ETF</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>iShares Russell 1000 Value ETF</nameOfIssuer>
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      <Sole>1240</Sole>
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    <nameOfIssuer>iShares Russell 1000 Income ET</nameOfIssuer>
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    <cusip>464287614</cusip>
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      <sshPrnamt>2324</sshPrnamt>
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    <votingAuthority>
      <Sole>2324</Sole>
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  <infoTable>
    <nameOfIssuer>iShares Russell 1000 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287622</cusip>
    <value>1561003</value>
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      <sshPrnamt>4597</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>iShares Russell 2000 ETF</nameOfIssuer>
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    <cusip>464287655</cusip>
    <value>18126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>iShares Core S&amp;P U.S. Value ET</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287663</cusip>
    <value>166454</value>
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      <sshPrnamt>1759</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1759</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares U.S. Real Estate ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>1605499</value>
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      <sshPrnamt>16941</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16941</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares U.S. Real Estate ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>42362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>447</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>447</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core S&amp;P Small-Cap ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287804</cusip>
    <value>198689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1818</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1818</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P Small-Cap 600 Grow</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287887</cusip>
    <value>79824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares JP Morgan Emerging Mar</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288281</cusip>
    <value>23340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>252</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
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      <sshPrnamt>130</sshPrnamt>
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      <sshPrnamt>2218</sshPrnamt>
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      <sshPrnamt>3337</sshPrnamt>
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    <shrsOrPrnAmt>
      <sshPrnamt>2941</sshPrnamt>
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    <nameOfIssuer>Lockheed Martin Corp</nameOfIssuer>
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      <sshPrnamt>481</sshPrnamt>
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      <sshPrnamt>13124</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12529</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>609207105</cusip>
    <value>123483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1831</Sole>
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      <None>0</None>
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    <cusip>617446448</cusip>
    <value>130296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>925</Sole>
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      <None>0</None>
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    <cusip>636180101</cusip>
    <value>8471</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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      <sshPrnamt>27</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27</Sole>
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      <None>0</None>
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    <nameOfIssuer>Newsmax Inc.</nameOfIssuer>
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    <cusip>65250K105</cusip>
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      <sshPrnamt>206</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>206</Sole>
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      <None>0</None>
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      <sshPrnamt>14863</sshPrnamt>
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    <votingAuthority>
      <Sole>14782</Sole>
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      <sshPrnamt>1434</sshPrnamt>
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      <Sole>1434</Sole>
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    <nameOfIssuer>NIKE Inc</nameOfIssuer>
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      <sshPrnamt>1904</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1812</Sole>
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    <value>7104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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      <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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    <value>76791</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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    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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    <nameOfIssuer>Northrop Grumman Corp</nameOfIssuer>
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    <cusip>666807102</cusip>
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      <sshPrnamt>8</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
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      <sshPrnamt>99</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99</Sole>
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      <None>0</None>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <sshPrnamt>6470</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6470</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>82</Sole>
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      <sshPrnamt>16841</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>3358</sshPrnamt>
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      <Sole>3358</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>255</Sole>
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      <sshPrnamt>200</sshPrnamt>
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    <nameOfIssuer>Occiden Pete Warrant</nameOfIssuer>
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      <sshPrnamt>25</sshPrnamt>
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      <Sole>25</Sole>
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      <sshPrnamt>1500</sshPrnamt>
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      <sshPrnamt>667</sshPrnamt>
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      <sshPrnamt>2420</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2420</Sole>
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      <sshPrnamt>450</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>450</Sole>
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      <sshPrnamt>1522</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1522</Sole>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>6430</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>184</Sole>
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      <sshPrnamt>13416</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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    <shrsOrPrnAmt>
      <sshPrnamt>423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>423</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>1932</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1532</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>1175</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1175</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>9329</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>9329</Sole>
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      <sshPrnamt>1850</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1850</Sole>
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    <nameOfIssuer>Philip Morris International In</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>773</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>773</Sole>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>251</Sole>
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      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>69</Sole>
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      <None>0</None>
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    <nameOfIssuer>Pinnacle West Capital Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>T. Rowe Price Group Inc.</nameOfIssuer>
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      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Proctor &amp; Gamble Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>742718109</cusip>
    <value>1763035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10649</Sole>
      <Shared>417</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Proctor &amp; Gamble Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>742718109</cusip>
    <value>55125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Progressive Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>743315103</cusip>
    <value>11475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
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      <None>0</None>
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    <nameOfIssuer>Prudential Financial Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>744320102</cusip>
    <value>36315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>338</Sole>
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      <None>0</None>
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    <nameOfIssuer>Prudential Financial Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>744320102</cusip>
    <value>32232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>QUALCOMM Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>205445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
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    <votingAuthority>
      <Sole>1290</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Rayonier Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>754907103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3471</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3471</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>RTX Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>647599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4435</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RTX Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>43806</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>
    </votingAuthority>
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    <nameOfIssuer>Ready Capital Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75574U101</cusip>
    <value>2272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>520</Sole>
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      <None>0</None>
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    <nameOfIssuer>Republic Services Inc</nameOfIssuer>
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    <value>15783</value>
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      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Republic Services Inc</nameOfIssuer>
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    <cusip>760759100</cusip>
    <value>616525</value>
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      <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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    <nameOfIssuer>Shell PLC - ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259305</cusip>
    <value>288259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4094</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4094</Sole>
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      <None>0</None>
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    <nameOfIssuer>Shell PLC - ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>780259305</cusip>
    <value>24644</value>
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      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78462F103</cusip>
    <value>863136</value>
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      <sshPrnamt>1397</sshPrnamt>
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    <votingAuthority>
      <Sole>1397</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR Gold Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78463V107</cusip>
    <value>300562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>986</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>986</Sole>
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    <nameOfIssuer>SPDR Portfolio S&amp;P Growth ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>1432850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15032</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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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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    <cusip>78464A508</cusip>
    <value>60557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1157</sshPrnamt>
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    <votingAuthority>
      <Sole>1157</Sole>
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    <nameOfIssuer>SPDR Dow Jones Industrial Aver</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>666263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1512</sshPrnamt>
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    <votingAuthority>
      <Sole>1512</Sole>
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      <None>0</None>
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    <nameOfIssuer>Salesforce Inc</nameOfIssuer>
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      <sshPrnamt>1391</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1391</Sole>
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    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
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      <sshPrnamt>1613</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1613</Sole>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
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      <sshPrnamt>906</sshPrnamt>
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    <nameOfIssuer>Schwab US Small-Cap ETF</nameOfIssuer>
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    <shrsOrPrnAmt>
      <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 US Dividend Equity ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>808524797</cusip>
    <value>342407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12921</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>Schwab US Dividend Equity ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>808524797</cusip>
    <value>267915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10110</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>ServiceNow Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>10281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>Simon Property Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>828806109</cusip>
    <value>16076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Simon Property Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>828806109</cusip>
    <value>48228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Skyworks Solutions Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>83088M102</cusip>
    <value>1490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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    <nameOfIssuer>J M Smucker Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>832696405</cusip>
    <value>19640</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>J M Smucker Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>832696405</cusip>
    <value>19640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Snap-On Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>833034101</cusip>
    <value>7157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23</Sole>
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      <None>0</None>
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    <nameOfIssuer>Solventum Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>83444M101</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Starbucks Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>855244109</cusip>
    <value>109223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1093</Sole>
      <Shared>99</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Suncor Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>867224107</cusip>
    <value>512878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13565</Sole>
      <Shared>130</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Suncor Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>867224107</cusip>
    <value>14418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>385</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>684008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8946</Sole>
      <Shared>85</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Sysco Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>871829107</cusip>
    <value>23934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>316</Sole>
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      <None>0</None>
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    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
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    <cusip>872540109</cusip>
    <value>145595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1179</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1179</Sole>
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      <None>0</None>
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    <nameOfIssuer>T-Mobile US Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>872590104</cusip>
    <value>25017</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 Semiconductor Manufactu</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>874039100</cusip>
    <value>53905</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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    <nameOfIssuer>Target Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>87612E106</cusip>
    <value>2368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24</Sole>
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      <None>0</None>
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    <nameOfIssuer>Tesla Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88160R101</cusip>
    <value>35260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111</Sole>
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      <None>0</None>
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    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
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    <cusip>882508104</cusip>
    <value>342365</value>
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      <sshPrnamt>1649</sshPrnamt>
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    <votingAuthority>
      <Sole>1649</Sole>
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      <None>0</None>
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    <nameOfIssuer>Thermo Fisher Scientific Inc</nameOfIssuer>
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    <cusip>883556102</cusip>
    <value>959724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2367</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2352</Sole>
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  <infoTable>
    <nameOfIssuer>Thermo Fisher Scientific Inc</nameOfIssuer>
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    <cusip>883556102</cusip>
    <value>30410</value>
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      <sshPrnamt>75</sshPrnamt>
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      <Sole>75</Sole>
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    <nameOfIssuer>3M Co</nameOfIssuer>
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    <cusip>88579Y101</cusip>
    <value>10961</value>
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      <sshPrnamt>72</sshPrnamt>
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    <votingAuthority>
      <Sole>72</Sole>
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      <None>0</None>
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    <nameOfIssuer>Toronto-Dominion Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>891160509</cusip>
    <value>36725</value>
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      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>Travelers Cos Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89417E109</cusip>
    <value>13645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
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    <votingAuthority>
      <Sole>51</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Travelers Cos Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89417E109</cusip>
    <value>80262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>Truist Financial Corp</nameOfIssuer>
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    <cusip>89832Q109</cusip>
    <value>5159</value>
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      <sshPrnamt>120</sshPrnamt>
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      <Sole>120</Sole>
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      <None>0</None>
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    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
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    <votingAuthority>
      <Sole>1480</Sole>
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    <nameOfIssuer>United Airlines Holdings Inc</nameOfIssuer>
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    <value>19111</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ready Capital Corp Contingent</nameOfIssuer>
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    <cusip>910CVR018</cusip>
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      <sshPrnamt>520</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>520</Sole>
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      <None>0</None>
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    <nameOfIssuer>United Parcel Service Inc</nameOfIssuer>
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    <value>2927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29</Sole>
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    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
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    <value>431455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1383</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1383</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
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    <cusip>91324P102</cusip>
    <value>14039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
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    <nameOfIssuer>VF Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>918204108</cusip>
    <value>9400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
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    <nameOfIssuer>VanEck Agribusiness ETF</nameOfIssuer>
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    <nameOfIssuer>Vanguard Dividend Appreciation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921908844</cusip>
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    <nameOfIssuer>Vanguard Mega Cap ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921910873</cusip>
    <value>674760</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>Vanguard Short-Term Bond Index</nameOfIssuer>
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    <cusip>921937827</cusip>
    <value>1968</value>
    <shrsOrPrnAmt>
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      <Sole>25</Sole>
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    <nameOfIssuer>Vanguard Total Bond Market ETF</nameOfIssuer>
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    <cusip>921937835</cusip>
    <value>8099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
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    <nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
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    <cusip>921943858</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
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    <nameOfIssuer>Vanguard FTSE Emerging Markets</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922042858</cusip>
    <value>1039946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21026</sshPrnamt>
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      <Sole>21026</Sole>
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    <nameOfIssuer>Vanguard Consumer Discretionar</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A108</cusip>
    <value>3072836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8481</sshPrnamt>
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    <votingAuthority>
      <Sole>8410</Sole>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Discretionar</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A108</cusip>
    <value>153261</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>423</Sole>
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    <nameOfIssuer>Vanguard Consumer Staple ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A207</cusip>
    <value>856947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3913</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3875</Sole>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Staple ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A207</cusip>
    <value>54969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
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    <votingAuthority>
      <Sole>251</Sole>
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    <nameOfIssuer>Vanguard Energy ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A306</cusip>
    <value>823477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6913</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6842</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Energy ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A306</cusip>
    <value>50269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>422</Sole>
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      <None>0</None>
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    <nameOfIssuer>Vanguard Financial ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A405</cusip>
    <value>3650582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28677</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28425</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Financial ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A405</cusip>
    <value>159380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1252</sshPrnamt>
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      <Sole>1252</Sole>
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      <None>0</None>
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    <nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A504</cusip>
    <value>2428020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9777</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>9657</Sole>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>92204A504</cusip>
    <value>104799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>422</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A603</cusip>
    <value>2645541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9446</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9360</Sole>
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  <infoTable>
    <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92204A603</cusip>
    <value>134434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
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    <votingAuthority>
      <Sole>480</Sole>
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      <None>0</None>
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    <nameOfIssuer>WisdomTree Emerg Mkts ex-St-Ow</nameOfIssuer>
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    <nameOfIssuer>WisdomTree Intl Hedged Qual Di</nameOfIssuer>
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    <value>51764</value>
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