<SEC-DOCUMENT>0001104659-25-098103.txt : 20251009
<SEC-HEADER>0001104659-25-098103.hdr.sgml : 20251009
<ACCEPTANCE-DATETIME>20251009083531
ACCESSION NUMBER:		0001104659-25-098103
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251009
DATE AS OF CHANGE:		20251009
EFFECTIVENESS DATE:		20251009

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:		251383662

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TERRE HAUTE FIRST CORP
		DATE OF NAME CHANGE:	19850808
</SEC-HEADER>
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      <periodOfReport>09-30-2025</periodOfReport>
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          <ns1:city>TERRE HAUTE</ns1:city>
          <ns1:stateOrCountry>IN</ns1:stateOrCountry>
          <ns1:zipCode>47807</ns1:zipCode>
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    <signatureBlock>
      <name>JENNIFER HANLEY</name>
      <title>TRUST OPERATIONS MANANGER</title>
      <phone>812-238-6216</phone>
      <signature>Jennifer L Hanley</signature>
      <city>Terre Haute</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>10-02-2025</signatureDate>
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      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <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>133249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Autozone Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>053332102</cusip>
    <value>25741</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>48293</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>314999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9141</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>45556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>1322</Sole>
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      <None>0</None>
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    <nameOfIssuer>Bank of America Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>060505104</cusip>
    <value>548505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10632</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Baxter International Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>071813109</cusip>
    <value>22770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Berkshire Hathaway Inc Class B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>084670702</cusip>
    <value>66362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>132</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc Class B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>084670702</cusip>
    <value>75411</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>
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    <nameOfIssuer>BHP Billiton Ltd ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>088606108</cusip>
    <value>495562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8830</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BHP Billiton Ltd ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>088606108</cusip>
    <value>8864</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>77053</value>
    <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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackrock Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09290D101</cusip>
    <value>103762</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>69952</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boeing Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>097023105</cusip>
    <value>9065</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>
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    <nameOfIssuer>Booking Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09857L108</cusip>
    <value>32396</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>367204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7642</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Bristol-Myers Squibb</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>110122108</cusip>
    <value>45100</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>3064864</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>329910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CBRE Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12504L109</cusip>
    <value>15598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
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      <Sole>99</Sole>
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  <infoTable>
    <nameOfIssuer>C.H. Robinson Worldwide, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12541W209</cusip>
    <value>39720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Cigna Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>125523100</cusip>
    <value>37184</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>108425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1480</sshPrnamt>
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    <votingAuthority>
      <Sole>1480</Sole>
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    <nameOfIssuer>CNX Resources Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12653C108</cusip>
    <value>5139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
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    <nameOfIssuer>CVS Health Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126650100</cusip>
    <value>37695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Capital One Financial Corporat</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14040H105</cusip>
    <value>69301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>326</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>39240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>Carnival Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>143658300</cusip>
    <value>2891</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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    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>155936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2612</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>17910</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>242392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>508</Sole>
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  <infoTable>
    <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>238575</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>7760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>583580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3758</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3758</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>241631</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>808646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20634</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20634</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>21711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>554</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>300706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4395</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4395</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>342100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <nameOfIssuer>D.R. Horton, Inc.</nameOfIssuer>
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    </votingAuthority>
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    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>437076102</cusip>
    <value>1587534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3894</Sole>
      <Shared>24</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>437076102</cusip>
    <value>85495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>438516106</cusip>
    <value>155560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>Howmet Aerospace Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>443201108</cusip>
    <value>47684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Illinois Tool Works</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>452308109</cusip>
    <value>2608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>458140100</cusip>
    <value>92263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>458140100</cusip>
    <value>147620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>45866F104</cusip>
    <value>982744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5633</Sole>
      <Shared>200</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>45866F104</cusip>
    <value>36392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>IBM</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>459200101</cusip>
    <value>187919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>566</Sole>
      <Shared>100</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IBM</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>459200101</cusip>
    <value>56432</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>Invesco QQQ Trust Series 1</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46090E103</cusip>
    <value>1499724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intuitive Surgical Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46120E602</cusip>
    <value>9839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco S&amp;P MidCap Momentum ET</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46137V464</cusip>
    <value>25018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco NASDAQ 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G649</cusip>
    <value>1821274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco NASDAQ 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G649</cusip>
    <value>60050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco S&amp;P MidCap 400 Revenue</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46138G672</cusip>
    <value>235144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Iron Mountain Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46284V101</cusip>
    <value>152910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Gold Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464285204</cusip>
    <value>52031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287101</cusip>
    <value>162426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core S&amp;P Total US Stoc</nameOfIssuer>
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    <cusip>464287150</cusip>
    <value>20391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Dividend ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287168</cusip>
    <value>1563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Select Dividend ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287168</cusip>
    <value>170520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P Core S&amp;P</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287200</cusip>
    <value>8285934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12380</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287226</cusip>
    <value>143959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287465</cusip>
    <value>2247509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287465</cusip>
    <value>91036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>975</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Mid-Cap Value</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287473</cusip>
    <value>373757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2676</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Mid-Cap Growth</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287481</cusip>
    <value>358873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Mid-Cap ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287499</cusip>
    <value>467302</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 Mid-Cap ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287507</cusip>
    <value>134044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2054</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Global 100 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287572</cusip>
    <value>5040</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000 Value ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287598</cusip>
    <value>795833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2546</Sole>
      <Shared>1363</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000 Value ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287598</cusip>
    <value>252452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000 Income ET</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287614</cusip>
    <value>1079217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287622</cusip>
    <value>1680112</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 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287655</cusip>
    <value>1063898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core S&amp;P U.S. Value ET</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287663</cusip>
    <value>175812</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 U.S. Real Estate ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>1653855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares U.S. Real Estate ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287739</cusip>
    <value>43395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>447</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <votingAuthority>
      <Sole>188</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>1109</Sole>
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      <None>0</None>
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      <sshPrnamt>600</sshPrnamt>
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      <sshPrnamt>13687</sshPrnamt>
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    <votingAuthority>
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      <sshPrnamt>99</sshPrnamt>
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    <nameOfIssuer>Tesla Inc.</nameOfIssuer>
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    <nameOfIssuer>Truist Financial Corp</nameOfIssuer>
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    <nameOfIssuer>Ready Capital Corp Contingent</nameOfIssuer>
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    <nameOfIssuer>Vanguard Dividend Appreciation</nameOfIssuer>
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    <nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
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    <nameOfIssuer>Vanguard Consumer Discretionar</nameOfIssuer>
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    <cusip>92204A108</cusip>
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    <nameOfIssuer>Vanguard Energy ETF</nameOfIssuer>
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    <cusip>92204A306</cusip>
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      <sshPrnamt>6890</sshPrnamt>
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    <value>53113</value>
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</SEC-DOCUMENT>
