<SEC-DOCUMENT>0001144204-19-046706.txt : 20191001
<SEC-HEADER>0001144204-19-046706.hdr.sgml : 20191001
<ACCEPTANCE-DATETIME>20191001140721
ACCESSION NUMBER:		0001144204-19-046706
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190930
FILED AS OF DATE:		20191001
DATE AS OF CHANGE:		20191001
EFFECTIVENESS DATE:		20191001

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:		191128597

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

	MAIL ADDRESS:	
		STREET 1:		77 EAST KING STREET
		CITY:			SHIPPENSBURG
		STATE:			PA
		ZIP:			17257
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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      <filer>
        <credentials>
          <cik>0000826154</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2019</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2019</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>
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      <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>09-30-2019</signatureDate>
    </signatureBlock>
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    <cusip>053611109</cusip>
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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>056525108</cusip>
    <value>18</value>
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    <cusip>062540109</cusip>
    <value>6</value>
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    <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
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    <cusip>064058100</cusip>
    <value>13</value>
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      <sshPrnamt>300</sshPrnamt>
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    <cusip>071813109</cusip>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO       COM</nameOfIssuer>
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    <cusip>075887109</cusip>
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      <Sole>4626</Sole>
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    <nameOfIssuer>BOEING CO                   COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>097023105</cusip>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS INCOM</nameOfIssuer>
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    <cusip>11133T103</cusip>
    <value>25</value>
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      <sshPrnamt>190</sshPrnamt>
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    <nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>
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    <cusip>115236101</cusip>
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    <nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>
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    <cusip>115236101</cusip>
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    <nameOfIssuer>CCFNB BANCORP INC           COM</nameOfIssuer>
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    <cusip>124880105</cusip>
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    <nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
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    <cusip>12541W209</cusip>
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    <shrsOrPrnAmt>
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      <Sole>765</Sole>
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    <nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
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    <cusip>12541W209</cusip>
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    <nameOfIssuer>CME GROUP INC               COM</nameOfIssuer>
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    <cusip>12572Q105</cusip>
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    <nameOfIssuer>CME GROUP INC               COM</nameOfIssuer>
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    <cusip>126408103</cusip>
    <value>967</value>
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      <Sole>14425</Sole>
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    <nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
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    <nameOfIssuer>CVS CORP                    COM</nameOfIssuer>
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    <value>564</value>
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      <Sole>9258</Sole>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC   COM</nameOfIssuer>
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    <cusip>127387108</cusip>
    <value>779</value>
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      <Sole>11376</Sole>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC   COM</nameOfIssuer>
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    <cusip>127387108</cusip>
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      <Sole>169</Sole>
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    <nameOfIssuer>CALIFORNIA RES CORP         COM NEW</nameOfIssuer>
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    <cusip>13057Q206</cusip>
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    <nameOfIssuer>CARLISLE COS INC            COM</nameOfIssuer>
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      <Sole>126</Sole>
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    <nameOfIssuer>CHEMOURS CO                 COM</nameOfIssuer>
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    <cusip>163851108</cusip>
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      <sshPrnamt>22</sshPrnamt>
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      <Sole>22</Sole>
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    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
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    <cusip>166764100</cusip>
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      <Sole>7497</Sole>
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    <nameOfIssuer>CHEVRON CORP NEW            COM</nameOfIssuer>
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    <cusip>166764100</cusip>
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    <nameOfIssuer>CHURCH &amp; DWIGHT INC         COM</nameOfIssuer>
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      <sshPrnamt>16275</sshPrnamt>
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      <Sole>16275</Sole>
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    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>17275R102</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4815</sshPrnamt>
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    <votingAuthority>
      <Sole>4815</Sole>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>17275R102</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
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      <Sole>170</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CIRRUS LOGIC INC            COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>172755100</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
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    <votingAuthority>
      <Sole>250</Sole>
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    <nameOfIssuer>DISCOVER FINANCIAL SERVICES</nameOfIssuer>
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    <cusip>254709108</cusip>
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    <nameOfIssuer>DOMINION RES INC VA NEW     COM</nameOfIssuer>
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    <nameOfIssuer>DUKE ENERGY CORP NEW        COM NEW</nameOfIssuer>
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    <nameOfIssuer>EVERCORE INC                CLASS A</nameOfIssuer>
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    <cusip>29977A105</cusip>
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    <nameOfIssuer>EXELON CORP                 COM</nameOfIssuer>
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    <nameOfIssuer>EXXON MOBIL CORP            COM</nameOfIssuer>
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    <cusip>30231G102</cusip>
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    <nameOfIssuer>FACEBOOK INC                CL A</nameOfIssuer>
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    <cusip>30303M102</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
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      <Sole>43</Sole>
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    <nameOfIssuer>FACTSET RESEARCH SYSTM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>303075105</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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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>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>337738108</cusip>
    <value>975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>337738108</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FONAR CORP</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>344437405</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR COMPANY COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>345370860</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC INCOM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>34964C106</cusip>
    <value>10</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>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1640</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>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC  COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>36467J108</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>527</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>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>224</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>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2542</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>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO            COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>372460105</cusip>
    <value>595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6595</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>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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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>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>37959E102</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>628</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>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>40434L105</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>406216101</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>305</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>50</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY FOODS CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>427866108</cusip>
    <value>397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2502</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>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>437076102</cusip>
    <value>1065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4672</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>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1356</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>438516106</cusip>
    <value>12</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>
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  </infoTable>
  <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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUBBELL INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>443510607</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INTERACTIVE NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>44919P508</cusip>
    <value>748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2939</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INTERACTIVE NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>44919P508</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                  COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>458140100</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <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>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>459200101</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3377</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>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST        ISHARES</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>21</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERG MKT ETF</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287234</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2221</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE INDEX</nameOfIssuer>
    <titleOfClass>FOREIGN ETFS</titleOfClass>
    <cusip>464287465</cusip>
    <value>170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2690</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>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2589</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>1295</value>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>46625H100</cusip>
    <value>1219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11100</sshPrnamt>
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    <votingAuthority>
      <Sole>11100</Sole>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478160104</cusip>
    <value>1275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9935</sshPrnamt>
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    <votingAuthority>
      <Sole>9935</Sole>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>478160104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
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      <Sole>55</Sole>
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      <None>0</None>
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    <nameOfIssuer>J2 GLOBAL INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>48123V102</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
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      <None>0</None>
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    <nameOfIssuer>JUNIATA VALLEY NATL BK      COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>482016102</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16722</sshPrnamt>
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    <votingAuthority>
      <Sole>16722</Sole>
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      <None>0</None>
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    <nameOfIssuer>KIMBERLY CLARK CORP         COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>494368103</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
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    <votingAuthority>
      <Sole>440</Sole>
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      <None>0</None>
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    <nameOfIssuer>KONTOOR BRANDS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>50050N103</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
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    <votingAuthority>
      <Sole>123</Sole>
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      <None>0</None>
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    <nameOfIssuer>KONTOOR BRANDS INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>50050N103</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
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      <Sole>14</Sole>
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      <None>0</None>
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    <nameOfIssuer>KRAFT HEINZ CO              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>500754106</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>456</sshPrnamt>
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    <votingAuthority>
      <Sole>456</Sole>
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      <None>0</None>
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    <nameOfIssuer>L3 HARRIS TECHNOLOGIES</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>502431109</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
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    <votingAuthority>
      <Sole>87</Sole>
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      <None>0</None>
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    <nameOfIssuer>LABORATORY CORP AMER HLDGS  COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>50540R409</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
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    <votingAuthority>
      <Sole>147</Sole>
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      <None>0</None>
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    <nameOfIssuer>LEHMAN BROS HLDGS CAP TR IV PFD L 6.375</nameOfIssuer>
    <titleOfClass>PREFERRED STOCK</titleOfClass>
    <cusip>52520B206</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>LILLY ELI &amp; CO              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>532457108</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1474</sshPrnamt>
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    <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>862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2244</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2244</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWES COS INC               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>548661107</cusip>
    <value>412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3671</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3671</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>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1092</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>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1130</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1130</Sole>
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      <None>0</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3433</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3433</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
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      <Sole>41</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>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1229</sshPrnamt>
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    <votingAuthority>
      <Sole>1229</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCCORMICK &amp; CO INC          COM NON VTG</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>579780206</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
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      <Sole>55</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>580135101</cusip>
    <value>894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4102</sshPrnamt>
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    <votingAuthority>
      <Sole>4102</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>580135101</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
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    <votingAuthority>
      <Sole>86</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>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>365</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>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>30</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC NEW          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
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    <votingAuthority>
      <Sole>810</Sole>
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      <None>0</None>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>59156R108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>132</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>594918104</cusip>
    <value>2478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17978</sshPrnamt>
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    <votingAuthority>
      <Sole>17978</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>594918104</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
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      <Sole>245</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>595017104</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>933</sshPrnamt>
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    <votingAuthority>
      <Sole>933</Sole>
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      <None>0</None>
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    <nameOfIssuer>MIDDLEBY CORP               COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>596278101</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTL INC           CL A</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>609207105</cusip>
    <value>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3220</sshPrnamt>
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    <votingAuthority>
      <Sole>3220</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONRO INC                   COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>610236101</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>318</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NASDAQ OMX GROUP INC        COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>631103108</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1002</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1002</Sole>
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      <None>0</None>
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    <nameOfIssuer>NETFLIX INC                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>64110L106</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>50</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEUROMETRIX INC             COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>641255708</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9516</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9516</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC          COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>65339F101</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>NIKE INC                    CL B</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>654106103</cusip>
    <value>977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11562</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11562</Sole>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>3319</sshPrnamt>
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    <nameOfIssuer>ORRSTOWN FINL SVCS INC      COM</nameOfIssuer>
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    <cusip>693475105</cusip>
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    <cusip>717081103</cusip>
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      <sshPrnamt>19329</sshPrnamt>
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      <Sole>19329</Sole>
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    <cusip>717081103</cusip>
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    <nameOfIssuer>PHILIP MORRIS INTL INC      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>718172109</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3852</sshPrnamt>
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      <Sole>3852</Sole>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
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    <cusip>742718109</cusip>
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      <sshPrnamt>1084</sshPrnamt>
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      <Sole>1084</Sole>
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    <nameOfIssuer>PRUDENTIAL FINL INC         COM</nameOfIssuer>
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    <cusip>744320102</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>995</Sole>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP COM</nameOfIssuer>
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    <cusip>744573106</cusip>
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      <Sole>16165</Sole>
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    <nameOfIssuer>QUALCOMM INC                COM</nameOfIssuer>
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    <cusip>747525103</cusip>
    <value>46</value>
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      <Sole>596</Sole>
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    <nameOfIssuer>RAYTHEON CO                 COM NEW</nameOfIssuer>
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    <cusip>755111507</cusip>
    <value>132</value>
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    <nameOfIssuer>RAYTHEON CO                 COM NEW</nameOfIssuer>
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    <cusip>755111507</cusip>
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    <nameOfIssuer>REINSURANCE GRP OF AMERICA ICOM NEW</nameOfIssuer>
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    <cusip>759351604</cusip>
    <value>673</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>4373</Sole>
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    <nameOfIssuer>REINSURANCE GRP OF AMERICA ICOM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>759351604</cusip>
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    <nameOfIssuer>RESMED INC                  COM</nameOfIssuer>
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    <cusip>761152107</cusip>
    <value>10</value>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC       SPONS ADR A</nameOfIssuer>
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    <cusip>780259206</cusip>
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      <sshPrnamt>1974</sshPrnamt>
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    <nameOfIssuer>SPDR S &amp; P 500 INDEX ETF</nameOfIssuer>
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    <cusip>78462F103</cusip>
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      <Sole>500</Sole>
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    <nameOfIssuer>SPDR GOLD TRUST             GOLD SHS</nameOfIssuer>
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    <cusip>78463V107</cusip>
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      <sshPrnamt>623</sshPrnamt>
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      <Sole>623</Sole>
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    <nameOfIssuer>SPX CORP                    COM</nameOfIssuer>
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      <Sole>287</Sole>
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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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      <sshPrnamt>1708</sshPrnamt>
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      <Sole>1708</Sole>
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    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR  UTSER1 S&amp;PDCRP</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>280</value>
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      <Sole>816</Sole>
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    <nameOfIssuer>SALESFORCE COM INC          COM</nameOfIssuer>
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    <cusip>79466L302</cusip>
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      <sshPrnamt>8731</sshPrnamt>
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      <Sole>8731</Sole>
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    <nameOfIssuer>SHARPSPRING INC             COM</nameOfIssuer>
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    <cusip>820054104</cusip>
    <value>128</value>
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      <Sole>11025</Sole>
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    <nameOfIssuer>SHERWIN WILLIAMS CO         COM</nameOfIssuer>
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    <cusip>824348106</cusip>
    <value>53</value>
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      <sshPrnamt>100</sshPrnamt>
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    <nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>828806109</cusip>
    <value>525</value>
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      <Sole>3523</Sole>
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    <nameOfIssuer>SINCLAIR BROADCAST GROUP INCCL A</nameOfIssuer>
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    <cusip>829226109</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
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      <Sole>500</Sole>
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    <nameOfIssuer>SKYWORKS SOLUTIONS INC      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>83088M102</cusip>
    <value>123</value>
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      <sshPrnamt>1633</sshPrnamt>
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      <Sole>1633</Sole>
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    <cusip>833034101</cusip>
    <value>30</value>
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    <cusip>842587107</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2050</Sole>
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      <None>0</None>
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    <cusip>855244109</cusip>
    <value>1169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12103</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12103</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>871607107</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <cusip>871829107</cusip>
    <value>1035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13924</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13924</Sole>
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      <None>0</None>
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    <nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>872540109</cusip>
    <value>1154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20992</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20992</Sole>
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      <None>0</None>
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    <nameOfIssuer>TJX COS INC NEW             COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>872540109</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>548</sshPrnamt>
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    <votingAuthority>
      <Sole>548</Sole>
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      <None>0</None>
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    <nameOfIssuer>TARGET CORP                 COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>87612E106</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66</Sole>
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      <None>0</None>
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    <nameOfIssuer>TELEFLEX INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>879369106</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95</Sole>
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      <None>0</None>
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    <nameOfIssuer>3M CO                       COM</nameOfIssuer>
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    <cusip>88579Y101</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1004</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1004</Sole>
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      <None>0</None>
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    <cusip>886547108</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
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      <None>0</None>
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    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>891092108</cusip>
    <value>748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10383</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10383</Sole>
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      <None>0</None>
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    <cusip>891092108</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>101</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COS INC</nameOfIssuer>
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    <cusip>89417E109</cusip>
    <value>1140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7755</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7755</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COS INC</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>89417E109</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
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    <votingAuthority>
      <Sole>65</Sole>
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      <None>0</None>
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    <nameOfIssuer>TUPPERWARE BRANDS CORP      COM</nameOfIssuer>
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    <cusip>899896104</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38</Sole>
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      <None>0</None>
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    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>902973304</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2430</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2430</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL              COM NEW</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>902973304</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>907818108</cusip>
    <value>1215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7504</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7504</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNION PAC CORP              COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>907818108</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>911312106</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>425</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED STATES STL CORP NEW  COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>912909108</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
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    <cusip>913017109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>769</sshPrnamt>
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    <votingAuthority>
      <Sole>769</Sole>
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    <nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>913017109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
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    <votingAuthority>
      <Sole>35</Sole>
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    <nameOfIssuer>UNITED THERAPEUTICS CORP DELCOM</nameOfIssuer>
    <titleOfClass>EQUITY / MID CAP</titleOfClass>
    <cusip>91307C102</cusip>
    <value>2</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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    <nameOfIssuer>UNITEDHEALTH GROUP INC      COM</nameOfIssuer>
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    <cusip>91324P102</cusip>
    <value>1131</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4834</Sole>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC      COM</nameOfIssuer>
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    <cusip>91324P102</cusip>
    <value>7</value>
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      <sshPrnamt>30</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
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    <nameOfIssuer>V F CORP                    COM</nameOfIssuer>
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    <cusip>918204108</cusip>
    <value>111</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1350</Sole>
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    <nameOfIssuer>V F CORP                    COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>918204108</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12273</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12273</Sole>
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    <nameOfIssuer>VALERO ENERGY CORP NEW      COM</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC    INTERMED TERM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>921937819</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4896</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4896</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD HEALTHCARE VIPER   ETF</nameOfIssuer>
    <titleOfClass>EQUITY / LARGE CAP</titleOfClass>
    <cusip>92204A504</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>308</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SCOTTSDALE FDS     SHRT TRM CORP BD</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>92206C409</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4290</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4290</Sole>
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    <nameOfIssuer>VAREX IMAGING CORP          COM</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>92214X106</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>112</Sole>
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    <nameOfIssuer>VARIAN MED SYS INC          COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>92220P105</cusip>
    <value>665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6280</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6280</Sole>
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  <infoTable>
    <nameOfIssuer>VARIAN MED SYS INC          COM</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>92220P105</cusip>
    <value>7</value>
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      <sshPrnamt>66</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>66</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SM CAP VAL VIPER</nameOfIssuer>
    <titleOfClass>EQUITY / SMALL CAP</titleOfClass>
    <cusip>922908611</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3085</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3085</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          SMALL CP ETF</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>922908751</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1859</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1859</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS          TOTAL STK MKT</nameOfIssuer>
    <titleOfClass>US EQUITIES / ETF'S</titleOfClass>
    <cusip>922908769</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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