<SEC-DOCUMENT>0001144204-15-000799.txt : 20150106
<SEC-HEADER>0001144204-15-000799.hdr.sgml : 20150106
<ACCEPTANCE-DATETIME>20150106153522
ACCESSION NUMBER:		0001144204-15-000799
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20141231
FILED AS OF DATE:		20150106
DATE AS OF CHANGE:		20150106
EFFECTIVENESS DATE:		20150106

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ORRSTOWN FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000826154
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232530374
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-13107
		FILM NUMBER:		15509815

	BUSINESS ADDRESS:	
		STREET 1:		77 E KING STREET
		STREET 2:		P O BOX 250
		CITY:			SHIPPENSBURG
		STATE:			PA
		ZIP:			17257
		BUSINESS PHONE:		7175326114

	MAIL ADDRESS:	
		STREET 1:		77 EAST KING STREET
		CITY:			SHIPPENSBURG
		STATE:			PA
		ZIP:			17257
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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        <credentials>
          <cik>0000826154</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2014</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>12-31-2014</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>ORRSTOWN FINANCIAL SERVICES INC</name>
        <address>
          <ns1:street1>77 East King Street</ns1:street1>
          <ns1:city>Shippensburg</ns1:city>
          <ns1:stateOrCountry>PA</ns1:stateOrCountry>
          <ns1:zipCode>17257</ns1:zipCode>
        </address>
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      <form13FFileNumber>028-13107</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Howard Pulker</name>
      <title>VP Senior Portfolio Manager</title>
      <phone>717-530-2655</phone>
      <signature>/s/ Howard Pulker</signature>
      <city>Shippensburg</city>
      <stateOrCountry>PA</stateOrCountry>
      <signatureDate>01-06-2015</signatureDate>
    </signatureBlock>
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    <cusip>110122108</cusip>
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      <None>0</None>
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    <nameOfIssuer>BUFFALO WILD WINGS INC      COM</nameOfIssuer>
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    <cusip>119848109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>334</sshPrnamt>
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    <votingAuthority>
      <Sole>334</Sole>
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      <None>0</None>
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    <nameOfIssuer>CDK GLOBAL INC              COM</nameOfIssuer>
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    <cusip>12508E101</cusip>
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      <sshPrnamt>66</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
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    <cusip>126408103</cusip>
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      <sshPrnamt>30486</sshPrnamt>
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      <Sole>30486</Sole>
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  <infoTable>
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    <cusip>126408103</cusip>
    <value>17</value>
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      <Sole>464</Sole>
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    <nameOfIssuer>CVS CORP                    COM</nameOfIssuer>
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    <cusip>126650100</cusip>
    <value>294</value>
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      <sshPrnamt>3051</sshPrnamt>
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    <nameOfIssuer>CYS INVTS INC               COM</nameOfIssuer>
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    <cusip>12673A108</cusip>
    <value>9</value>
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    <nameOfIssuer>CAMPBELL SOUP</nameOfIssuer>
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    <cusip>134429109</cusip>
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      <sshPrnamt>100</sshPrnamt>
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      <Sole>100</Sole>
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    <nameOfIssuer>CAPSTEAD MTG CORP           COM NO PAR</nameOfIssuer>
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    <cusip>14067E506</cusip>
    <value>6</value>
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    <cusip>142339100</cusip>
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      <sshPrnamt>3200</sshPrnamt>
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      <Sole>3200</Sole>
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    <cusip>149123101</cusip>
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      <sshPrnamt>576</sshPrnamt>
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      <Sole>576</Sole>
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    <nameOfIssuer>CHESAPEAKE ENERGY CORP      COM</nameOfIssuer>
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    <cusip>165167107</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2410</sshPrnamt>
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      <Sole>2410</Sole>
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    <cusip>166764100</cusip>
    <value>1433</value>
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      <sshPrnamt>12776</sshPrnamt>
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      <Sole>12776</Sole>
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    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
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    <cusip>166764100</cusip>
    <value>6</value>
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      <sshPrnamt>50</sshPrnamt>
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      <Sole>50</Sole>
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    <nameOfIssuer>CHIMERA INVT CORP           COM</nameOfIssuer>
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    <cusip>16934Q109</cusip>
    <value>22</value>
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      <sshPrnamt>7000</sshPrnamt>
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      <Sole>7000</Sole>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC  CL A</nameOfIssuer>
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    <cusip>169656105</cusip>
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      <sshPrnamt>1384</sshPrnamt>
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      <Sole>1384</Sole>
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    <nameOfIssuer>CHURCH &amp; DWIGHT INC         COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>171340102</cusip>
    <value>574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7288</sshPrnamt>
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    <votingAuthority>
      <Sole>7288</Sole>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
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    <cusip>17275R102</cusip>
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      <sshPrnamt>140</sshPrnamt>
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      <Sole>140</Sole>
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    <nameOfIssuer>CITIZENS BANCORP CORVALLIS  OREGON COM</nameOfIssuer>
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    <cusip>172950107</cusip>
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      <sshPrnamt>1276</sshPrnamt>
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      <Sole>1276</Sole>
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    <nameOfIssuer>CLEAN ENERGY FUELS CORP     COM</nameOfIssuer>
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      <Sole>2580</Sole>
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    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
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    <cusip>191216100</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
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      <Sole>2000</Sole>
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    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIOCL A</nameOfIssuer>
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    <cusip>192446102</cusip>
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      <sshPrnamt>29855</sshPrnamt>
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    <nameOfIssuer>COLGATE PALMOLIVE CO        COM</nameOfIssuer>
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    <cusip>194162103</cusip>
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      <sshPrnamt>6400</sshPrnamt>
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      <Sole>6400</Sole>
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    <nameOfIssuer>COMCAST CORP NEW            CL A</nameOfIssuer>
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      <sshPrnamt>2121</sshPrnamt>
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    <nameOfIssuer>COMCAST CORP NEW            CL A</nameOfIssuer>
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    <nameOfIssuer>CONSOLIDATED EDISON INC     COM</nameOfIssuer>
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    <nameOfIssuer>WALT DISNEY COMPANY         HOLDING CO.</nameOfIssuer>
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    <cusip>254687106</cusip>
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      <sshPrnamt>11672</sshPrnamt>
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    <nameOfIssuer>DIRECTV</nameOfIssuer>
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    <cusip>25490A309</cusip>
    <value>1478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17049</sshPrnamt>
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      <Sole>17049</Sole>
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    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
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    <cusip>25746U109</cusip>
    <value>104</value>
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      <Sole>1347</Sole>
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    <nameOfIssuer>DOW CHEM CO                 COM</nameOfIssuer>
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      <sshPrnamt>15177</sshPrnamt>
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    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO COM</nameOfIssuer>
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    <cusip>263534109</cusip>
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      <sshPrnamt>19731</sshPrnamt>
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    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO COM</nameOfIssuer>
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    <cusip>263534109</cusip>
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    <nameOfIssuer>DUKE ENERGY CORP NEW        COM NEW</nameOfIssuer>
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    <cusip>26441C204</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>833</sshPrnamt>
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      <Sole>833</Sole>
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    <nameOfIssuer>EMC CORPORATION</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>268648102</cusip>
    <value>71</value>
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      <sshPrnamt>2400</sshPrnamt>
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      <Sole>2400</Sole>
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    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
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    <cusip>291011104</cusip>
    <value>931</value>
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      <sshPrnamt>15090</sshPrnamt>
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      <Sole>15090</Sole>
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    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
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    <cusip>291011104</cusip>
    <value>6</value>
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      <sshPrnamt>100</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>EQUINIX INC                 COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>29444U502</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
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      <Sole>64</Sole>
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    <nameOfIssuer>ESSEX PPTY TR INC           COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>297178105</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
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      <Sole>118</Sole>
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    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30161N101</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1400</Sole>
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    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30231G102</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTPLUS FINL GROUP INC    COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>33763B103</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>337932107</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FONAR CORP</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>344437405</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR COMPANY COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>345370860</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>989</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC INCOM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>34964C106</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN FINL SVCS CORP     COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>353525108</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FULTON FINL CORP PA         COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>360271100</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>36467J108</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1741</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>369604103</cusip>
    <value>934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>370334104</cusip>
    <value>1513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>370334104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>38141G104</cusip>
    <value>581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOGLE INC                  CL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>38259P508</cusip>
    <value>793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOGLE INC                  CL C</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>38259P706</cusip>
    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>406216101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INCCOM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>416515104</cusip>
    <value>506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY FOODS CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>427866108</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD CO          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>428236103</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>437076102</cusip>
    <value>890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>438516106</cusip>
    <value>1559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>438516106</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IMATION CORP                COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>45245A107</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ING GROEP N V               PERP DEBT SECS</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>456837202</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ING GROEP N V               PERP DBT 6.125</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>456837509</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>458140100</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>459200101</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRACOM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>459506101</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2802</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                      COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>461202103</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST        ISHARES</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                 MSCI AUSTRALIA</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464286103</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI SINGAPORE ETF</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464286673</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERG MKT ETF</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287234</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE INDEX</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287465</cusip>
    <value>415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6821</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  RUSSELL MIDCAP</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287499</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BIO-TECHNOLOGY      ETF</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>464287556</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 LARGE CAP VALUE</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>464287598</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287614</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>885</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                  RUS 1000 ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287622</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287655</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>46625H100</cusip>
    <value>951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478160104</cusip>
    <value>1563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478366107</cusip>
    <value>1086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL       COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>49456B101</cusip>
    <value>825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT FOODS GROUP INC       COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>50076Q106</cusip>
    <value>188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>532457108</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1714</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>539830109</cusip>
    <value>582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>55261F104</cusip>
    <value>661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARKET VECTORS ETF TR       AGRIBUS ETF</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>57060U605</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>580135101</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>585055106</cusip>
    <value>1146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15877</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MERRILL LYNCH PFD CAP TR V  TOPRS 7.28%</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>59021K205</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>594918104</cusip>
    <value>2031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>594918104</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>595017104</cusip>
    <value>728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>596278101</cusip>
    <value>627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC           CL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>609207105</cusip>
    <value>345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9490</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MONRO MUFFLER BRAKE INC     COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>610236101</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MORGAN STANLEY CAP TR III   CAP SECS 6.25%</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>617460209</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ OMX GROUP INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>631103108</cusip>
    <value>1499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ OMX GROUP INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>631103108</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>489</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>65339F101</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHEAST UTILS             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>664397106</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>NURSECARE HEALTH CTR</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>670576305</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP            UNIT COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>67058H102</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FGHT LINES INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>679580100</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>OREGON PAC BANCORP          COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>686040205</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ORRSTOWN FINANCIAL SERVICES REINVESTED SHARES</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>687OFS993</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7791</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORRSTOWN FINL SVCS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>687380105</cusip>
    <value>4673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>274898</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINANCIAL SERVICES GROUPCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>693475105</cusip>
    <value>2404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINANCIAL SERVICES GROUPCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>693475105</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>693506107</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>P P &amp; L RES INC             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>69351T106</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACIFIC CONTINENTAL CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>69412V108</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PANDORA MEDIA INC           COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>698354107</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENN NATL GAMING INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>707569109</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>713448108</cusip>
    <value>1952</value>
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      <sshPrnamt>20639</sshPrnamt>
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    <votingAuthority>
      <Sole>20639</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>713448108</cusip>
    <value>9</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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    <nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>717081103</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>718172109</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1194</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1194</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP      COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>723484101</cusip>
    <value>950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13911</sshPrnamt>
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    <votingAuthority>
      <Sole>13911</Sole>
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      <None>0</None>
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    <nameOfIssuer>POWERSHARES QQQ TR</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>73935A104</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3600</Sole>
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      <None>0</None>
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    <nameOfIssuer>POWERSHARES ETF TRUST       INTL DIV ACHV</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>73935X716</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3831</sshPrnamt>
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    <votingAuthority>
      <Sole>3831</Sole>
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      <None>0</None>
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    <nameOfIssuer>POWERSHARES ETF TR II       S&amp;P500 LOW VOL</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>73937B779</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRAXAIR INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>74005P104</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>418</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRESIDENTIAL RLTY CORP NEW  CL A</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>741004105</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>742718109</cusip>
    <value>1050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11527</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11527</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>742718109</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>195</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINL INC         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744320102</cusip>
    <value>1398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15450</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINL INC         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744320102</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>219</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744573106</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>747525103</cusip>
    <value>1372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18457</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>747525103</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>391</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RAVEN INDS INC              COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>754212108</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2800</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTL INC  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>76131D103</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>REYNOLDS AMERICAN INC       COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>761713106</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>773903109</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>502</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROCKWELL COLLINS INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>774341101</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>458</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR S &amp; P 500 INDEX ETF</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78462F103</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2845</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78463V107</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1230</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P OIL &amp; GAS EQUIPMENT&amp; SVCS ETF</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>78464A748</cusip>
    <value>176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           S&amp;P DIVID ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>78464A763</cusip>
    <value>517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6557</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVRG ETFUT SER 1</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78467X109</cusip>
    <value>1685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9475</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR  UTSER1 S&amp;PDCRP</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2450</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>806857108</cusip>
    <value>498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5835</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5835</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>824348106</cusip>
    <value>26</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>SKYWORKS SOLUTIONS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>83088M102</cusip>
    <value>2179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29973</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29973</Sole>
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      <None>0</None>
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    <nameOfIssuer>SOUTHERN CO                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>842587107</cusip>
    <value>985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20050</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20050</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>842587107</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPRINT CORP                 COM SER 1</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>85207U105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>327</Sole>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>855244109</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5787</sshPrnamt>
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    <votingAuthority>
      <Sole>5787</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SUSQUEHANNA BANCSHARES INC PCOM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>869099101</cusip>
    <value>610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45407</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>872540109</cusip>
    <value>1417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20665</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>872540109</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>331</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TEVA PHARMACEUTICAL         INDUSTRIES LTD</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>881624209</cusip>
    <value>632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10992</Sole>
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      <None>0</None>
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    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
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    <cusip>88579Y101</cusip>
    <value>1419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8633</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSCANADA CORP            COM</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITY / LARGE CAP</titleOfClass>
    <cusip>89353D107</cusip>
    <value>365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>TRAVELERS COS INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COS INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>89417E109</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>189</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUMP HOTELS &amp; CASIN</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>898168109</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWITTER INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>90184L102</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNILEVER PLC                SPON ADR NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>904767704</cusip>
    <value>1175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29024</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                SPON ADR NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>904767704</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILIFE CORPORATIO CDI</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>90478E103</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>907818108</cusip>
    <value>544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>913017109</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>91324P102</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC    INTERMED TERM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>921937819</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL BOND         MARKET ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>921937835</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HEALTHCARE VIPER   ETF</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>92204A504</cusip>
    <value>744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS     SHRT TRM CORP BD</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>92206C409</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SM CAP VAL VIPER</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>922908611</cusip>
    <value>3448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          SMALL CP ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>922908751</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>92343V104</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1061</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>92826C839</cusip>
    <value>2274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW      SPNSR ADR NO PAR</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>92857W308</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAL MART STORES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>931142103</cusip>
    <value>21</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP CONN      COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>947890109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO NEW        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>949746101</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WENDYS CO                   COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>95058W100</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>962166104</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINDSTREAM HLDGS INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>97382A101</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCL LTD DEL                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>983701103</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>988498101</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER HLDGS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>98956P102</cusip>
    <value>1390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIONS BANCORP</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>989701107</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
