<SEC-DOCUMENT>0001144204-17-020113.txt : 20170412
<SEC-HEADER>0001144204-17-020113.hdr.sgml : 20170412
<ACCEPTANCE-DATETIME>20170412104837
ACCESSION NUMBER:		0001144204-17-020113
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170331
FILED AS OF DATE:		20170412
DATE AS OF CHANGE:		20170412
EFFECTIVENESS DATE:		20170412

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:		17757268

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

	MAIL ADDRESS:	
		STREET 1:		77 EAST KING STREET
		CITY:			SHIPPENSBURG
		STATE:			PA
		ZIP:			17257
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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        <credentials>
          <cik>0000826154</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2017</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>03-31-2017</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>
      </filingManager>
      <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>04-07-2017</signatureDate>
    </signatureBlock>
    <summaryPage>
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    <nameOfIssuer>AQUA AMERICA INC            COM</nameOfIssuer>
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    <cusip>03836W103</cusip>
    <value>2</value>
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      <None>0</None>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO   COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>039483102</cusip>
    <value>1069</value>
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      <Sole>23215</Sole>
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      <None>0</None>
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    <nameOfIssuer>AVERY DENNISON CORP         COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>053611109</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
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      <Sole>205</Sole>
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      <None>0</None>
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    <cusip>054937107</cusip>
    <value>274</value>
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      <sshPrnamt>6132</sshPrnamt>
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      <Sole>6132</Sole>
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      <None>0</None>
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    <nameOfIssuer>BP AMOCO P L C              SPONSORED ADR</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>055622104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>060505104</cusip>
    <value>35</value>
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      <sshPrnamt>1472</sshPrnamt>
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      <Sole>1472</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK HAWAII CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>062540109</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
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      <Sole>155</Sole>
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    <nameOfIssuer>BEISTLE COMPANY</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>072001993</cusip>
    <value>1771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1892</sshPrnamt>
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      <Sole>1892</Sole>
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      <None>0</None>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO       COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>075887109</cusip>
    <value>1035</value>
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      <sshPrnamt>5641</sshPrnamt>
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    <votingAuthority>
      <Sole>5641</Sole>
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    <nameOfIssuer>BEMIS INC                   COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>081437105</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
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      <Sole>30</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL B NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>084670702</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
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      <Sole>700</Sole>
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      <None>0</None>
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    <nameOfIssuer>BIG LOTS INC                COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>089302103</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
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      <Sole>30</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
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    <cusip>097023105</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231</sshPrnamt>
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    <votingAuthority>
      <Sole>231</Sole>
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    <nameOfIssuer>BRISTOL MYERS SQUIBB CO     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>110122108</cusip>
    <value>98</value>
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      <sshPrnamt>1800</sshPrnamt>
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      <Sole>1800</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS INCOM</nameOfIssuer>
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    <cusip>11133T103</cusip>
    <value>35</value>
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      <sshPrnamt>519</sshPrnamt>
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    <votingAuthority>
      <Sole>519</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>115236101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
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    <votingAuthority>
      <Sole>315</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>12541W209</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>805</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>12541W209</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
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      <Sole>115</Sole>
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    <nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>126408103</cusip>
    <value>1478</value>
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      <sshPrnamt>31754</sshPrnamt>
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    <votingAuthority>
      <Sole>31754</Sole>
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    <nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>126408103</cusip>
    <value>22</value>
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      <sshPrnamt>464</sshPrnamt>
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      <Sole>464</Sole>
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    <nameOfIssuer>CVS CORP                    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>126650100</cusip>
    <value>165</value>
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      <Sole>2100</Sole>
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    <nameOfIssuer>CABOT OIL &amp; GAS CORPORATION</nameOfIssuer>
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    <cusip>127097103</cusip>
    <value>483</value>
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      <Sole>20217</Sole>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC   COM</nameOfIssuer>
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    <cusip>127387108</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
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      <Sole>170</Sole>
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    <nameOfIssuer>CAMPBELL SOUP</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>134429109</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
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      <Sole>100</Sole>
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    <nameOfIssuer>CARLISLE COS INC            COM</nameOfIssuer>
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    <cusip>142339100</cusip>
    <value>321</value>
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      <Sole>3020</Sole>
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    <nameOfIssuer>ADJUVANTS PLUS INC</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>1429ADJUV</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
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      <Sole>500</Sole>
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    <nameOfIssuer>E-LYNXX CORPORATION</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>1429ELYNX</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266667</sshPrnamt>
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      <Sole>266667</Sole>
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      <None>0</None>
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    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>143658300</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>CATERPILLAR INC DEL         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>149123101</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>654</sshPrnamt>
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      <Sole>654</Sole>
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    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
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    <cusip>166764100</cusip>
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      <sshPrnamt>11730</sshPrnamt>
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      <Sole>11730</Sole>
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    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
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    <cusip>166764100</cusip>
    <value>13</value>
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      <sshPrnamt>125</sshPrnamt>
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      <Sole>125</Sole>
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    <nameOfIssuer>CHIMERA INVT CORP           COM NEW</nameOfIssuer>
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    <cusip>16934Q208</cusip>
    <value>8</value>
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      <sshPrnamt>400</sshPrnamt>
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      <Sole>400</Sole>
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    <nameOfIssuer>CHURCH &amp; DWIGHT INC         COM</nameOfIssuer>
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    <cusip>171340102</cusip>
    <value>1007</value>
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      <Sole>20197</Sole>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>17275R102</cusip>
    <value>226</value>
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      <sshPrnamt>6695</sshPrnamt>
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      <Sole>6695</Sole>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>17275R102</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>335</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>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2570</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2570</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIOCL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>192446102</cusip>
    <value>1211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20347</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20347</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>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2890</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2890</Sole>
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    <cusip>194162103</cusip>
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      <sshPrnamt>140</sshPrnamt>
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      <Sole>140</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>108</value>
    <shrsOrPrnAmt>
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      <Sole>2860</Sole>
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    <nameOfIssuer>COMMERCE BANCSHARES INC     COM</nameOfIssuer>
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    <cusip>200525103</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263</sshPrnamt>
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    <votingAuthority>
      <Sole>263</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSOLIDATED EDISON INC     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>209115104</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
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      <Sole>750</Sole>
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      <None>0</None>
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    <nameOfIssuer>CUMMINS INC                 COM</nameOfIssuer>
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    <cusip>231021106</cusip>
    <value>1026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6789</sshPrnamt>
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    <votingAuthority>
      <Sole>6789</Sole>
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      <None>0</None>
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    <nameOfIssuer>CURTISS WRIGHT CORP         COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>231561101</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
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      <Sole>65</Sole>
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    <nameOfIssuer>D R HORTON INC              COM</nameOfIssuer>
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    <cusip>23331A109</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>846</sshPrnamt>
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      <Sole>846</Sole>
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      <None>0</None>
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    <nameOfIssuer>DEERE &amp; CO                  COM</nameOfIssuer>
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    <cusip>244199105</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
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    <nameOfIssuer>DELUXE CORP                 COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>248019101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
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      <Sole>215</Sole>
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    <nameOfIssuer>DICKS SPORTING GOODS INC    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>253393102</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
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      <Sole>45</Sole>
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      <None>0</None>
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    <nameOfIssuer>WALT DISNEY COMPANY         HOLDING CO.</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>254687106</cusip>
    <value>1184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10445</sshPrnamt>
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      <Sole>10445</Sole>
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    <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>254709108</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1556</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1556</Sole>
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    <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>254709108</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
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      <Sole>160</Sole>
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    <nameOfIssuer>DOLLAR GEN CORP NEW         COM</nameOfIssuer>
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    <cusip>256677105</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>555</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>25746U109</cusip>
    <value>958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12352</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12352</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOVER CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>260003108</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>790</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOW CHEM CO                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>260543103</cusip>
    <value>746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11743</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11743</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>DR PEPPER SNAPPLE GROUP INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>26138E109</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>263534109</cusip>
    <value>654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>8139</Sole>
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      <None>0</None>
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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>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>3550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW        COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>26441C204</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>733</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>733</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>E-BAY INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>278642103</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1050</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>278865100</cusip>
    <value>781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6235</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC                COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>29250N105</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>811</sshPrnamt>
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      <Sole>811</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PRTNRS L P  UNIT LTD PARTN</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>29273R109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>150</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENERSYS                     COM</nameOfIssuer>
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    <cusip>29275Y102</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
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      <Sole>865</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EQUINIX INC                 COM PAR $0.001</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>29444U700</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>65</Sole>
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  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC           COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>297178105</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
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      <Sole>110</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EVERCORE PARTNERS INC       CLASS A</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>29977A105</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
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      <Sole>480</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30161N101</cusip>
    <value>71</value>
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      <sshPrnamt>1985</sshPrnamt>
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      <Sole>1985</Sole>
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  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HLDG CO     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30219G108</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>160</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
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    <cusip>30231G102</cusip>
    <value>1903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23199</sshPrnamt>
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    <votingAuthority>
      <Sole>23199</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30231G102</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>211</Sole>
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    <nameOfIssuer>FACTSET RESEARCH SYSTM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>303075105</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
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      <Sole>59</Sole>
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      <None>0</None>
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    <nameOfIssuer>FEDEX CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>31428X106</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>316773100</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
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    <votingAuthority>
      <Sole>1035</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIRSTPLUS FINL GROUP INC    COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>33763B103</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FONAR CORP</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>344437405</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FOOT LOCKER INC             COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>344849104</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1080</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORD MOTOR COMPANY COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>345370860</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</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>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN FINL SVCS CORP     COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>353525108</cusip>
    <value>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN RES INC            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>354613101</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS CORPCOM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>35906A108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GABELLI UTIL TR             PFD A 5.625 percent</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>36240A200</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>363576109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150</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>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>410</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>1073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36017</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>1256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21293</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>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>372460105</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>372460105</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>375558103</cusip>
    <value>4</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>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>38141G104</cusip>
    <value>1118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4868</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSN INC                     COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>404303109</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>40434L105</cusip>
    <value>36</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>HANESBRANDS INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>410345102</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARRIS CORP DEL             COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>413875105</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>717</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>1025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21328</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>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>987</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>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>437076102</cusip>
    <value>998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6794</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>1450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11612</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>12</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>HORMEL FOODS CORP           COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>440452100</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>443510607</cusip>
    <value>8</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>HUNTINGTON BANCSHARES INC   COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>446150104</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ING GROEP N V               PERP DBT 6.125</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>456837509</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>458140100</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>458140100</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>459200101</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>278</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>618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4661</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST        ISHARES</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERG MKT ETF</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287234</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE INDEX</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287465</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  RUSSELL MIDCAP</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287499</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>893</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>768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5855</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>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>618</Sole>
      <Shared>0</Shared>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>46625H100</cusip>
    <value>1398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15920</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478160104</cusip>
    <value>1550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12444</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478160104</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>J2 GLOBAL INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>48123V102</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JUNIATA VALLEY NATL BK      COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>482016102</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16722</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KEYCORP NEW                 COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>493267108</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</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>126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1392</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                   COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>501044101</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>710</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LEHMAN BROS HLDGS CAP TR IV PFD L 6.375 percent</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>52520B206</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>532457108</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1474</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>539830109</cusip>
    <value>725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2710</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>548661107</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>360</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>55261F104</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2324</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MACYS INC</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>55616P104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>125</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>56585A102</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC    COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>571748102</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1430</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC    COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>571748102</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>185</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC          COM NON VTG</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>579780206</cusip>
    <value>1167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11967</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC          COM NON VTG</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>579780206</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>580135101</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>530</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>580135101</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCKESSON HBOC INC           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>670</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MCKESSON HBOC INC           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC NEW          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>955</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>594918104</cusip>
    <value>1951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29630</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>594918104</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>390</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>1309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17737</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>596278101</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2476</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC           CL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>609207105</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3590</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>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>636</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ OMX GROUP INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>631103108</cusip>
    <value>449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6471</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>NEENAH PAPER INC            COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>640079109</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NESTLE S A                  SPONSORED ADR</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>641069406</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1027</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>65339F101</cusip>
    <value>71</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>816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14650</Sole>
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      <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>
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    <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>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP DEL    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>674599105</cusip>
    <value>25</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>OLD DOMINION FGHT LINES INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>679580100</cusip>
    <value>556</value>
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      <sshPrnamt>6500</sshPrnamt>
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    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>68389X105</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2685</sshPrnamt>
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    <votingAuthority>
      <Sole>2685</Sole>
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      <None>0</None>
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    <nameOfIssuer>ORACLE CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>68389X105</cusip>
    <value>10</value>
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      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>PNC FINANCIAL SERVICES GROUPCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>693475105</cusip>
    <value>2993</value>
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      <sshPrnamt>24888</sshPrnamt>
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    <votingAuthority>
      <Sole>24888</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC FINANCIAL SERVICES GROUPCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>693475105</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>199</Sole>
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      <None>0</None>
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    <nameOfIssuer>P P &amp; L RES INC             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>69351T106</cusip>
    <value>524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14015</sshPrnamt>
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    <votingAuthority>
      <Sole>14015</Sole>
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      <None>0</None>
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    <nameOfIssuer>PANDORA MEDIA INC           COM</nameOfIssuer>
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    <cusip>698354107</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>PANERA BREAD CO             CL A</nameOfIssuer>
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    <cusip>69840W108</cusip>
    <value>8</value>
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      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>30</Sole>
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      <None>0</None>
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    <cusip>699462107</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
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    <nameOfIssuer>PARK HOTELS RESORTS INC     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>700517105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
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      <Sole>8</Sole>
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      <None>0</None>
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    <cusip>704326107</cusip>
    <value>27</value>
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      <sshPrnamt>450</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>713448108</cusip>
    <value>1745</value>
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      <sshPrnamt>15597</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15597</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>713448108</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>195</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>717081103</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3275</sshPrnamt>
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    <votingAuthority>
      <Sole>3275</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>718172109</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>444</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIPS 66                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>718546104</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
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    <nameOfIssuer>POLARIS INDS INC            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>731068102</cusip>
    <value>660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7878</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7878</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ TR</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>73935A104</cusip>
    <value>53</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>
    <nameOfIssuer>PRAXAIR INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>74005P104</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>418</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>742718109</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744320102</cusip>
    <value>1414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13259</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744320102</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>219</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>744573106</cusip>
    <value>957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21592</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21592</Sole>
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      <None>0</None>
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    <nameOfIssuer>PUBLIC STORAGE INC COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>74460D109</cusip>
    <value>644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2942</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE              PFD T 1/1000TH</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>74460W404</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>747525103</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>920</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RPM INTL INC                COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>749685103</cusip>
    <value>3</value>
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      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55</Sole>
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      <None>0</None>
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    <nameOfIssuer>RAYTHEON CO                 COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>755111507</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>679</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON CO                 COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>755111507</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>80</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>REINSURANCE GROUP AMER INC  COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>759351604</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>340</Sole>
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      <None>0</None>
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    <nameOfIssuer>RESMED INC                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>761152107</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>REYNOLDS AMERICAN INC       COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>761713106</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>773903109</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>502</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROCKWELL COLLINS INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>774341101</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROYAL BK CDA MONTREAL QUE   COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>780087102</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>352</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONS ADR A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>780259206</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>270</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR S &amp; P 500 INDEX ETF</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78462F103</cusip>
    <value>161</value>
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      <sshPrnamt>682</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>682</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78463V107</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>738</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>738</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST           S&amp;P DIVID ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>78464A763</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVRG ETFUT SER 1</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>78467X109</cusip>
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    <nameOfIssuer>VANGUARD BD INDEX FD INC    INTERMED TERM</nameOfIssuer>
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    <nameOfIssuer>VANGUARD SCOTTSDALE FDS     SHRT TRM CORP BD</nameOfIssuer>
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    <cusip>92206C409</cusip>
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    <cusip>92214X106</cusip>
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    <cusip>92220P105</cusip>
    <value>74</value>
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    <cusip>92276F100</cusip>
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    <nameOfIssuer>VANGUARD SM CAP VAL VIPER</nameOfIssuer>
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    <cusip>922908611</cusip>
    <value>2859</value>
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    <nameOfIssuer>VANGUARD INDEX FDS          SMALL CP ETF</nameOfIssuer>
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    <cusip>922908751</cusip>
    <value>319</value>
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      <Sole>2391</Sole>
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    <cusip>92343V104</cusip>
    <value>1122</value>
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    <nameOfIssuer>VISA INC                    COM CL A</nameOfIssuer>
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    <cusip>92826C839</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>VODAFONE GROUP PLC NEW      SPONSORED ADR</nameOfIssuer>
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    <cusip>92857W308</cusip>
    <value>23</value>
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    <cusip>92937A102</cusip>
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    <cusip>931427108</cusip>
    <value>118</value>
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    <cusip>94106L109</cusip>
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    <cusip>95058W100</cusip>
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    <cusip>963320106</cusip>
    <value>781</value>
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    <cusip>969904101</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>WINDSTREAM HLDGS INC        COM NEW</nameOfIssuer>
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    <cusip>97382A200</cusip>
    <value>0</value>
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    <nameOfIssuer>WORLD FUEL SVCS CORP        COM</nameOfIssuer>
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    <cusip>981475106</cusip>
    <value>3</value>
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    <cusip>988498101</cusip>
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    <nameOfIssuer>ZIONS BANCORP</nameOfIssuer>
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</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
