<SEC-DOCUMENT>0001144204-19-034356.txt : 20190711
<SEC-HEADER>0001144204-19-034356.hdr.sgml : 20190711
<ACCEPTANCE-DATETIME>20190711081419
ACCESSION NUMBER:		0001144204-19-034356
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190630
FILED AS OF DATE:		20190711
DATE AS OF CHANGE:		20190711
EFFECTIVENESS DATE:		20190711

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:		19950356

	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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      <filer>
        <credentials>
          <cik>0000826154</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
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      <periodOfReport>06-30-2019</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2019</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>SVP Senior Portfolio Manager</title>
      <phone>717-530-2655</phone>
      <signature>/s/ Howard Pulker</signature>
      <city>Shippensburg</city>
      <stateOrCountry>PA</stateOrCountry>
      <signatureDate>07-10-2019</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>274</tableEntryTotal>
      <tableValueTotal>73239</tableValueTotal>
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    <nameOfIssuer>BP AMOCO P L C              SPONSORED ADR</nameOfIssuer>
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    <cusip>055622104</cusip>
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    <cusip>071813109</cusip>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO       COM</nameOfIssuer>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS INCOM</nameOfIssuer>
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    <cusip>11133T103</cusip>
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    <cusip>115236101</cusip>
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    <cusip>115236101</cusip>
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    <cusip>12541W209</cusip>
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    <nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
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    <nameOfIssuer>CME GROUP INC               COM</nameOfIssuer>
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    <cusip>12572Q105</cusip>
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      <sshPrnamt>3627</sshPrnamt>
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      <Sole>3627</Sole>
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    <nameOfIssuer>CME GROUP INC               COM</nameOfIssuer>
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    <cusip>12572Q105</cusip>
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    <cusip>126408103</cusip>
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    <nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
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    <cusip>126408103</cusip>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC   COM</nameOfIssuer>
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    <nameOfIssuer>CALIFORNIA RES CORP         COM NEW</nameOfIssuer>
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    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIOCL A</nameOfIssuer>
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    <nameOfIssuer>COMCAST CORP NEW            CL A</nameOfIssuer>
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      <sshPrnamt>376</sshPrnamt>
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    <votingAuthority>
      <Sole>376</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSOLIDATED EDISON INC     COM</nameOfIssuer>
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    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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      <Sole>400</Sole>
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      <None>0</None>
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    <cusip>22052L104</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2968</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2968</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>22052L104</cusip>
    <value>34</value>
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      <sshPrnamt>1166</sshPrnamt>
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    <cusip>231021106</cusip>
    <value>932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5439</sshPrnamt>
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      <Sole>5439</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>45</sshPrnamt>
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      <Sole>45</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>36</value>
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      <sshPrnamt>216</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>DELUXE CORP                 COM</nameOfIssuer>
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    <cusip>248019101</cusip>
    <value>7</value>
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      <sshPrnamt>165</sshPrnamt>
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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>1121</value>
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      <sshPrnamt>8030</sshPrnamt>
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    <votingAuthority>
      <Sole>8030</Sole>
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      <None>0</None>
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    <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>254709108</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1040</sshPrnamt>
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    <votingAuthority>
      <Sole>1040</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOLLAR GEN CORP NEW         COM</nameOfIssuer>
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    <cusip>256677105</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
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    <votingAuthority>
      <Sole>264</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>25746U109</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1254</sshPrnamt>
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      <Sole>1254</Sole>
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    <nameOfIssuer>DOVER CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>260003108</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
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    <votingAuthority>
      <Sole>670</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>260557103</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3010</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3010</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOW INC                     COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>260557103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1166</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>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1133</sshPrnamt>
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    <votingAuthority>
      <Sole>1133</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE REALTY CORP            COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>264411505</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>26614N102</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2968</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2968</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>26614N102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1166</sshPrnamt>
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      <Sole>1166</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENB FINANCIAL CORP PA       COM PAR $1</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>26874L101</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
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      <Sole>77</Sole>
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      <None>0</None>
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    <nameOfIssuer>E-BAY INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>278642103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
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      <Sole>245</Sole>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>278865100</cusip>
    <value>909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4606</sshPrnamt>
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      <Sole>4606</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>291011104</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1139</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1139</Sole>
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  <infoTable>
    <nameOfIssuer>ENERSYS                     COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>29275Y102</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>106</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQUINIX INC                 COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>29444U700</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
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      <Sole>65</Sole>
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      <None>0</None>
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    <nameOfIssuer>EVERCORE INC                CLASS A</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>29977A105</cusip>
    <value>6</value>
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      <sshPrnamt>71</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>71</Sole>
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  <infoTable>
    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
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    <cusip>30161N101</cusip>
    <value>103</value>
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      <sshPrnamt>2158</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2158</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>1215</value>
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      <sshPrnamt>15857</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15857</Sole>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30231G102</cusip>
    <value>15</value>
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      <sshPrnamt>191</sshPrnamt>
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      <Sole>191</Sole>
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      <None>0</None>
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    <nameOfIssuer>FACEBOOK INC                CL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>30303M102</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
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      <Sole>43</Sole>
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      <None>0</None>
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    <nameOfIssuer>FACTSET RESEARCH SYSTM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>303075105</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
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      <Sole>79</Sole>
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    <nameOfIssuer>FIRSTPLUS FINL GROUP INC    COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>33763B103</cusip>
    <value>0</value>
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      <sshPrnamt>115</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
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    <cusip>337738108</cusip>
    <value>784</value>
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      <sshPrnamt>8602</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>8602</Sole>
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      <None>0</None>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>337738108</cusip>
    <value>13</value>
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      <sshPrnamt>146</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>146</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>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</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>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1543</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1543</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC INCOM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>34964C106</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN FINL SVCS CORP     COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>353525108</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1640</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1640</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO     COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>363576109</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>195</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>36467J108</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>527</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP       COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>369550108</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELEC CO             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>369604103</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3639</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>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>372460105</cusip>
    <value>673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6496</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>372460105</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLAXO WELLCOME PLC          SPONSORED ADR</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>37733W105</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC     COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>38141G104</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>345</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HP INC                      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>40434L105</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>406216101</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>305</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HARRIS CORP DEL             COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>413875105</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>87</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INCCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>416515104</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HERSHEY FOODS CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>427866108</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE CCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>42824C109</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>437076102</cusip>
    <value>996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4791</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>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1191</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>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP           COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>440452100</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HUBBELL INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>443510607</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IAC INTERACTIVE NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>44919P508</cusip>
    <value>638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2934</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INTERACTIVE NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>44919P508</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>458140100</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2953</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>458140100</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>140</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>459200101</cusip>
    <value>466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3377</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRACOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>459506101</cusip>
    <value>605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4168</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR              UNIT SER 1</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>46090E103</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST        ISHARES</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERG MKT ETF</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287234</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2102</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE INDEX</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287465</cusip>
    <value>174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2649</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2649</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR                  RUSSELL MIDCAP</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464287499</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2655</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>1321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                  US AER DEF ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>464288760</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>46625H100</cusip>
    <value>1204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478160104</cusip>
    <value>1331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478160104</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J2 GLOBAL INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>48123V102</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIATA VALLEY NATL BK      COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>482016102</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>494368103</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONTOOR BRANDS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>50050N103</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>184</Sole>
      <Shared>0</Shared>
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    <nameOfIssuer>LABORATORY CORP AMER HLDGS  COM NEW</nameOfIssuer>
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    <nameOfIssuer>LEHMAN BROS HLDGS CAP TR IV PFD L 6.375 PERCENT</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>52520B206</cusip>
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    <nameOfIssuer>LOCKHEED MARTIN CORP        COM</nameOfIssuer>
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    <cusip>539830109</cusip>
    <value>816</value>
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    <nameOfIssuer>M &amp; T BK CORP               COM</nameOfIssuer>
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    <nameOfIssuer>MARATHON PETE CORP          COM</nameOfIssuer>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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    <cusip>579780206</cusip>
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    <nameOfIssuer>MCCORMICK &amp; CO INC          COM NON VTG</nameOfIssuer>
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    <cusip>579780206</cusip>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
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    <cusip>580135101</cusip>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
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    <cusip>580135101</cusip>
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    <nameOfIssuer>MCKESSON HBOC INC           COM</nameOfIssuer>
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    <cusip>58155Q103</cusip>
    <value>49</value>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
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    <cusip>59156R108</cusip>
    <value>7</value>
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    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
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    <value>81</value>
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    <nameOfIssuer>MIDDLEBY CORP               COM</nameOfIssuer>
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    <cusip>596278101</cusip>
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    <nameOfIssuer>MONDELEZ INTL INC           CL A</nameOfIssuer>
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    <cusip>609207105</cusip>
    <value>174</value>
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    <cusip>610236101</cusip>
    <value>27</value>
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    <nameOfIssuer>NASDAQ OMX GROUP INC        COM</nameOfIssuer>
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    <cusip>631103108</cusip>
    <value>96</value>
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    <nameOfIssuer>NEENAH PAPER INC            COM</nameOfIssuer>
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    <cusip>640079109</cusip>
    <value>2</value>
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    <value>18</value>
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    <value>4</value>
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    <cusip>65339F101</cusip>
    <value>20</value>
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    <nameOfIssuer>NIKE INC                    CL B</nameOfIssuer>
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    <cusip>654106103</cusip>
    <value>960</value>
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    <nameOfIssuer>NUSTAR ENERGY LP            UNIT COM</nameOfIssuer>
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    <value>5</value>
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    <value>189</value>
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    <value>1687</value>
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    <nameOfIssuer>REINSURANCE GRP OF AMERICA ICOM NEW</nameOfIssuer>
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    <cusip>759351604</cusip>
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    <nameOfIssuer>REINSURANCE GRP OF AMERICA ICOM NEW</nameOfIssuer>
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    <cusip>759351604</cusip>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONS ADR A</nameOfIssuer>
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    <cusip>780259206</cusip>
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    <nameOfIssuer>SPDR S &amp; P 500 INDEX ETF</nameOfIssuer>
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    <cusip>78462F103</cusip>
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    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS</nameOfIssuer>
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    <cusip>78463V107</cusip>
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    <nameOfIssuer>SPDR DOW JONES INDL AVRG ETFUT SER 1</nameOfIssuer>
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    <cusip>78467X109</cusip>
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    <cusip>83304A106</cusip>
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    <cusip>855244109</cusip>
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      <Sole>12930</Sole>
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    <cusip>871829107</cusip>
    <value>997</value>
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      <Sole>14102</Sole>
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    <cusip>872540109</cusip>
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    <cusip>872540109</cusip>
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      <sshPrnamt>548</sshPrnamt>
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      <Sole>548</Sole>
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    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>87612E106</cusip>
    <value>6</value>
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    <cusip>88579Y101</cusip>
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      <None>0</None>
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      <None>0</None>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>628</Sole>
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      <None>0</None>
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    <cusip>891092108</cusip>
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    <votingAuthority>
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    <cusip>89417E109</cusip>
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    <cusip>89417E109</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>902973304</cusip>
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    <cusip>907818108</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>907818108</cusip>
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      <Sole>50</Sole>
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    <nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
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    <cusip>911312106</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>425</Sole>
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    <cusip>912909108</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <cusip>913017109</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>514</Sole>
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      <None>0</None>
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    <cusip>913017109</cusip>
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    <votingAuthority>
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    <cusip>91307C102</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>20</Sole>
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    <cusip>91324P102</cusip>
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    <votingAuthority>
      <Sole>4863</Sole>
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    <votingAuthority>
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    <cusip>918204108</cusip>
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    <votingAuthority>
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    <votingAuthority>
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    <cusip>91913Y100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>100</Sole>
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    <nameOfIssuer>VANGUARD BD INDEX FD INC    INTERMED TERM</nameOfIssuer>
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    <cusip>921937819</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>4956</Sole>
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    <nameOfIssuer>VANGUARD HEALTHCARE VIPER   ETF</nameOfIssuer>
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    <cusip>92204A504</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>308</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>308</Sole>
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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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    <shrsOrPrnAmt>
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      <Sole>112</Sole>
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    <cusip>92220P105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5821</sshPrnamt>
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    <votingAuthority>
      <Sole>5821</Sole>
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    <nameOfIssuer>VARIAN MED SYS INC          COM</nameOfIssuer>
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    <cusip>92220P105</cusip>
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    <nameOfIssuer>VANGUARD SM CAP VAL VIPER</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>922908611</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>3261</Sole>
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    <nameOfIssuer>VANGUARD INDEX FDS          SMALL CP ETF</nameOfIssuer>
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    <cusip>922908751</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
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      <Sole>1986</Sole>
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    <nameOfIssuer>VANGUARD INDEX FDS          TOTAL STK MKT</nameOfIssuer>
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    <cusip>922908769</cusip>
    <value>43</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>288</Sole>
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    <cusip>92343V104</cusip>
    <value>1024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17929</sshPrnamt>
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      <Sole>17929</Sole>
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    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
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    <cusip>92343V104</cusip>
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      <Sole>946</Sole>
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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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    <votingAuthority>
      <Sole>10869</Sole>
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    <nameOfIssuer>WEC ENERGY GROUP INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>92939U106</cusip>
    <value>25</value>
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    <votingAuthority>
      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>WABASH NATL CORP            COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>929566107</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5839</Sole>
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    <nameOfIssuer>WABTEC CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>929740108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14</Sole>
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      <None>0</None>
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    <nameOfIssuer>WAL MART STORES INC         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>931142103</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>604</sshPrnamt>
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</SEC-DOCUMENT>
