<SEC-DOCUMENT>0001144204-16-076592.txt : 20160122
<SEC-HEADER>0001144204-16-076592.hdr.sgml : 20160122
<ACCEPTANCE-DATETIME>20160122115700
ACCESSION NUMBER:		0001144204-16-076592
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20151231
FILED AS OF DATE:		20160122
DATE AS OF CHANGE:		20160122
EFFECTIVENESS DATE:		20160122

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:		161355482

	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>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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      <filer>
        <credentials>
          <cik>0000826154</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2015</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>12-31-2015</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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      <reportType>13F HOLDINGS REPORT</reportType>
      <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>01-22-2016</signatureDate>
    </signatureBlock>
    <summaryPage>
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    <cusip>M22465104</cusip>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL B NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>084670702</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TRSHS</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>09248X100</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>097023105</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>110122108</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIGNA CORP</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>125509109</cusip>
    <value>955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6524</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>126408103</cusip>
    <value>826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>126408103</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>464</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CVS CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>126650100</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8745</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8745</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CYS INVTS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>12673A108</cusip>
    <value>7</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>
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    <nameOfIssuer>CAMPBELL SOUP</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>134429109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPSTEAD MTG CORP COM NO PAR</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>14067E506</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARE CAP PPTYS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>141624106</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>374</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARLISLE COS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>142339100</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADJUVANTS PLUS INC</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>1429ADJUV</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>149123101</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>654</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL COM SER A</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>150870103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>166764100</cusip>
    <value>1261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14014</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>166764100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>83</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIMERA INVT CORP COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>16934Q208</cusip>
    <value>5</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>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>171340102</cusip>
    <value>866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>17275R102</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>486</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CINTAS CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>172908105</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>191216100</cusip>
    <value>129</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIOCL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>192446102</cusip>
    <value>1299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21648</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21648</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>194162103</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>20030N101</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>209115104</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>21036P108</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>101</Sole>
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  <infoTable>
    <nameOfIssuer>CUMMINS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>231021106</cusip>
    <value>478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5427</sshPrnamt>
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      <Sole>5427</Sole>
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  <infoTable>
    <nameOfIssuer>DBX ETF TR XTRAK MSCI JAPN</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>233051507</cusip>
    <value>13</value>
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      <sshPrnamt>343</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>343</Sole>
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  <infoTable>
    <nameOfIssuer>DBX ETF TR DB XTR MSCI EUR</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>233051853</cusip>
    <value>9</value>
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      <sshPrnamt>346</sshPrnamt>
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      <Sole>346</Sole>
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  <infoTable>
    <nameOfIssuer>WALT DISNEY COMPANY HOLDING CO.</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>254687106</cusip>
    <value>1128</value>
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      <sshPrnamt>10739</sshPrnamt>
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      <Sole>10739</Sole>
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    <nameOfIssuer>DOW CHEM CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>260543103</cusip>
    <value>685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13308</sshPrnamt>
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      <Sole>13308</Sole>
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    <nameOfIssuer>DR PEPPER SNAPPLE GROUP INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>26138E109</cusip>
    <value>11</value>
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      <sshPrnamt>118</sshPrnamt>
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      <Sole>118</Sole>
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  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>263534109</cusip>
    <value>1315</value>
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      <sshPrnamt>19740</sshPrnamt>
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      <Sole>19740</Sole>
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  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>263534109</cusip>
    <value>270</value>
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      <sshPrnamt>4050</sshPrnamt>
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      <Sole>4050</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>26441C204</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>783</Sole>
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  <infoTable>
    <nameOfIssuer>EMC CORPORATION</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>268648102</cusip>
    <value>990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38535</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38535</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>28176E108</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQUINIX INC COM PAR $0.001</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>29444U700</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>297178105</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30161N101</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</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>1592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20426</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>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIRPOINT COMMUNICATIONS INCCOM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>305560104</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4</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>FONAR CORP</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>344437405</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOOT LOCKER INC COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>344849104</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>117</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>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</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>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN FINL SVCS CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>353525108</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5100</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>163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI UTIL TR PFD A 5.625%</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>36240A200</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>369550108</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55</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>1150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36923</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>1450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25153</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>
    </shrsOrPrnAmt>
    <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>824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HOLDINGS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>40412C101</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>40434L105</cusip>
    <value>24</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>HALLIBURTON CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>406216101</cusip>
    <value>14</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>EQUITY / LARGE CAP</titleOfClass>
    <cusip>416515104</cusip>
    <value>862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19830</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>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE CCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>42824C109</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>1038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7847</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>438516106</cusip>
    <value>1483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14321</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>
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      <None>0</None>
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  <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>
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    <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>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>458140100</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2344</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2344</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>459200101</cusip>
    <value>83</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRACOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>459506101</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4887</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4887</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST ISHARES</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>3</value>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>ISHARES MSCI SINGAPORE ETF</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464286673</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERG MKT ETF</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287234</cusip>
    <value>828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25724</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25724</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE INDEX</nameOfIssuer>
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    <cusip>464287465</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5386</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5386</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL MIDCAP</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287499</cusip>
    <value>1892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11809</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11809</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>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>809</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>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287622</cusip>
    <value>299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287655</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>46625H100</cusip>
    <value>1139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478160104</cusip>
    <value>1577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15350</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>845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIATA VALLEY NATL BK COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>482016102</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>500754106</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>501044101</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L BRANDS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>501797104</cusip>
    <value>8</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>LAM RESEARCH CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>512807108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEHMAN BROS HLDGS CAP TR IV PFD L 6.375%</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>52520B206</cusip>
    <value>0</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>LILLY ELI &amp; CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>532457108</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>534187109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>164</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>620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>55261F104</cusip>
    <value>492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4061</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGNA INTL INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>559222401</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKET VECTORS ETF TR BIOTECH ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>57060U183</cusip>
    <value>13</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>MCCORMICK &amp; CO INC COM NON VTG</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>579780206</cusip>
    <value>1024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>580135101</cusip>
    <value>95</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>MCKESSON HBOC INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <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>
    </shrsOrPrnAmt>
    <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>1927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34743</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>594918104</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>595017104</cusip>
    <value>1026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22043</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>596278101</cusip>
    <value>388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3600</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>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONRO MUFFLER BRAKE INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>610236101</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <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>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY CHINA A SH FDCOM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>617468103</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>283</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>1537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26417</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>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETEASE INC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>64110W102</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>65339F101</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>654106103</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>666807102</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS A G SPONSORED ADR</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>66987V109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NURSECARE HEALTH CTR</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>670576305</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP UNIT COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>67058H102</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MTG OPPORTUNITY TERM COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>670735109</cusip>
    <value>18</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>O REILLY AUTOMOTIVE INC NEW COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>67103H107</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FGHT LINES INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>679580100</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6500</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>4771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>267418</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>2417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25356</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>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>870</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>375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11002</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>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>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>PEPSICO INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>713448108</cusip>
    <value>1745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>713448108</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>717081103</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>718172109</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>723484101</cusip>
    <value>909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INDS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>731068102</cusip>
    <value>478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ TR</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>73935A104</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TRUST FTSE RAFI 1000</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>73935X583</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>74005P104</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP INCOM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>74251V102</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744320102</cusip>
    <value>1208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744320102</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744573106</cusip>
    <value>804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE INC COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>74460D109</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE PFD T 1/1000TH</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>74460W404</cusip>
    <value>26</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>REYNOLDS AMERICAN INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>761713106</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>773903109</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL COLLINS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>774341101</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S &amp; P 500 INDEX ETF</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78462F103</cusip>
    <value>638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST GOLD SHS</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78463V107</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST S&amp;P DIVID ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>78464A763</cusip>
    <value>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVRG ETFUT SER 1</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78467X109</cusip>
    <value>1270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR UTSER1 S&amp;PDCRP</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ST JUDE MED INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>790849103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>806857108</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI HEALTHCARE</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS STPLS</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS DISCR</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHARPSPRING INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>820054104</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </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>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>83088M102</cusip>
    <value>1419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>831865209</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>833034101</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>842587107</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>847560109</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPRINT CORP COM SER 1</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>85207U105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>854502101</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>855244109</cusip>
    <value>836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNTECH PWR HLDGS CO LTD ADR</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>86800C104</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>872540109</cusip>
    <value>1186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <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>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEVA PHARMACEUTICAL INDUSTRIES LTD</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>881624209</cusip>
    <value>1065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INCCOM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>883556102</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL S A SPONSORED ADR</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>89151E109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>892356106</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COS INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COS INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>89417E109</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRINITY INDS INC COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>896522109</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </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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    <investmentDiscretion>SOLE</investmentDiscretion>
    <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>2</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>UNILEVER PLC SPON ADR NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>904767704</cusip>
    <value>1133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26272</Sole>
      <Shared>0</Shared>
      <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>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILIFE CORPORATIO CDI</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>90478E103</cusip>
    <value>0</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>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>912909108</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>913017109</cusip>
    <value>77</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>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>91324P102</cusip>
    <value>271</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>UNIVERSAL HLTH SVCS INC CL B</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>913903100</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</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>1746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24697</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>7</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>185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2225</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>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3050</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>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>92276F100</cusip>
    <value>84</value>
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    <cusip>922908629</cusip>
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    <cusip>98310W108</cusip>
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</SEC-DOCUMENT>
