<SEC-DOCUMENT>0000950123-13-006243.txt : 20130813
<SEC-HEADER>0000950123-13-006243.hdr.sgml : 20130813
<ACCEPTANCE-DATETIME>20130813130732
ACCESSION NUMBER:		0000950123-13-006243
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20130630
FILED AS OF DATE:		20130813
DATE AS OF CHANGE:		20130813
EFFECTIVENESS DATE:		20130813

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PEAPACK GLADSTONE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001050743
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				223537895
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-06431
		FILM NUMBER:		131032280

	BUSINESS ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		STREET 2:		PO BOX 700
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
		BUSINESS PHONE:		9082340700

	MAIL ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		STREET 2:		PO BOX 700
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <filer>
        <credentials>
          <cik>0001050743</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2013</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2013</reportCalendarOrQuarter>
      <filingManager>
        <name>PEAPACK GLADSTONE FINANCIAL CORP</name>
        <address>
          <ns1:street1>500 HILLS DRIVE</ns1:street1>
          <ns1:street2>PO BOX 700</ns1:street2>
          <ns1:city>BEDMINSTER</ns1:city>
          <ns1:stateOrCountry>NJ</ns1:stateOrCountry>
          <ns1:zipCode>07921</ns1:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-06431</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Daniel J. Leary, III</name>
      <title>First VP &amp; Chief Fiduciary Officer</title>
      <phone>(908)719-4331</phone>
      <signature>/s/ Daniel J. Leary, III</signature>
      <city>Bedminster</city>
      <stateOrCountry>NJ</stateOrCountry>
      <signatureDate>08-12-2013</signatureDate>
    </signatureBlock>
    <summaryPage>
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      <tableValueTotal>1094013</tableValueTotal>
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           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2475</Sole>
           <Shared>125</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WAL MART STORES INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>931142103</cusip>
       <value>2422713</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32524</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>32524</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WAL MART STORES INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>931142103</cusip>
       <value>327756</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>4400</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>94106L109</cusip>
       <value>6939865</value>
       <shrsOrPrnAmt>
           <sshPrnamt>172077</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>169582</Sole>
           <Shared>0</Shared>
           <None>2495</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>94106L109</cusip>
       <value>1585776</value>
       <shrsOrPrnAmt>
           <sshPrnamt>39320</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>38015</Sole>
           <Shared>705</Shared>
           <None>600</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>949746101</cusip>
       <value>4160057</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100801</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>97414</Sole>
           <Shared>1100</Shared>
           <None>2287</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>949746101</cusip>
       <value>2165396</value>
       <shrsOrPrnAmt>
           <sshPrnamt>52469</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>52469</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>962166104</cusip>
       <value>133134</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4673</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>4673</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>962166104</cusip>
       <value>96866</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3400</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WHIRLPOOL CORPORATION</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>963320106</cusip>
       <value>263028</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WILLIAMS-SONOMA INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>969904101</cusip>
       <value>268272</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4800</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>4800</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WISCONSIN ENERGY CORP</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>976657106</cusip>
       <value>333987</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8148</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>7348</Sole>
           <Shared>0</Shared>
           <None>800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>988498101</cusip>
       <value>626972</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9042</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>9042</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>988498101</cusip>
       <value>17682</value>
       <shrsOrPrnAmt>
           <sshPrnamt>255</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>255</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ZIMMER HLDGS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>98956P102</cusip>
       <value>147782</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1972</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1752</Sole>
           <Shared>220</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ZIMMER HLDGS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>98956P102</cusip>
       <value>65947</value>
       <shrsOrPrnAmt>
           <sshPrnamt>880</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>880</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3-D SYSTEMS CORP</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>88554D205</cusip>
       <value>575310</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13105</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>12855</Sole>
           <Shared>0</Shared>
           <None>250</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3-D SYSTEMS CORP</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>88554D205</cusip>
       <value>82313</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1875</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1875</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>11739925</value>
       <shrsOrPrnAmt>
           <sshPrnamt>107361</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>107361</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>931881</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8522</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>8522</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ANHEUSER-BUSCH INBEV SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>03524A108</cusip>
       <value>1001886</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>10000</Sole>
           <Shared>0</Shared>
           <None>1100</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BHP BILLITON LTD SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>088606108</cusip>
       <value>585480</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10154</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>9879</Sole>
           <Shared>0</Shared>
           <None>275</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BHP BILLITON LTD SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>088606108</cusip>
       <value>131465</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2280</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>055622104</cusip>
       <value>370401</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8874</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>8274</Sole>
           <Shared>0</Shared>
           <None>600</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>055622104</cusip>
       <value>196721</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4713</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>3913</Sole>
           <Shared>0</Shared>
           <None>800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>37733W105</cusip>
       <value>160903</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3220</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2595</Sole>
           <Shared>0</Shared>
           <None>625</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>37733W105</cusip>
       <value>393714</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7879</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>7879</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>66987V109</cusip>
       <value>1175271</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16621</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>16621</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>66987V109</cusip>
       <value>762325</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10781</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>10456</Sole>
           <Shared>0</Shared>
           <None>325</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>780259107</cusip>
       <value>423995</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6398</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>6398</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>780259206</cusip>
       <value>650569</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10197</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>10197</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>780259206</cusip>
       <value>376548</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5902</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>5902</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEVA PHARMACEUTICAL INDS SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>881624209</cusip>
       <value>84280</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2150</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>2150</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEVA PHARMACEUTICAL INDS SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>881624209</cusip>
       <value>312620</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7975</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>7475</Sole>
           <Shared>0</Shared>
           <None>500</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>89151E109</cusip>
       <value>1569455</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32227</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>31702</Sole>
           <Shared>0</Shared>
           <None>525</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>89151E109</cusip>
       <value>93504</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1920</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>1800</Sole>
           <Shared>120</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VODAFONE GROUP SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>92857W209</cusip>
       <value>494242</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17194</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287804</cusip>
       <value>52199</value>
       <shrsOrPrnAmt>
           <sshPrnamt>578</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287200</cusip>
       <value>205926</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287200</cusip>
       <value>20914</value>
       <shrsOrPrnAmt>
           <sshPrnamt>130</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES DJ SELECT DIVIDEND INDEX FD</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287168</cusip>
       <value>1360341</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21252</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES DJ SELECT DIVIDEND INDEX FD</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287168</cusip>
       <value>130900</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2045</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES DOW JONES U.S. REAL ESTATE</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287739</cusip>
       <value>215300</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3241</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES DOW JONES U.S. REAL ESTATE</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287739</cusip>
       <value>43844</value>
       <shrsOrPrnAmt>
           <sshPrnamt>660</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI AUSTRALIA INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286103</cusip>
       <value>136045</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6025</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI AUSTRALIA INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286103</cusip>
       <value>99691</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4415</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI CANADA INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286509</cusip>
       <value>283597</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10845</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI CANADA INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286509</cusip>
       <value>129312</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4945</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287465</cusip>
       <value>2735445</value>
       <shrsOrPrnAmt>
           <sshPrnamt>47739</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287465</cusip>
       <value>614772</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10729</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EMERGING MKT IN</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287234</cusip>
       <value>3937318</value>
       <shrsOrPrnAmt>
           <sshPrnamt>102268</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EMERGING MKT IN</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287234</cusip>
       <value>604835</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15710</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI UNITED KINGDOM</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286699</cusip>
       <value>220750</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI UNITED KINGDOM</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286699</cusip>
       <value>35320</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES NASDAQ BIOTECH INDX</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287556</cusip>
       <value>4539659</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26108</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES NASDAQ BIOTECH INDX</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287556</cusip>
       <value>1429120</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8219</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287481</cusip>
       <value>2345866</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32695</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287481</cusip>
       <value>1481279</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20645</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287499</cusip>
       <value>2480379</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19096</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287499</cusip>
       <value>446172</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3435</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287473</cusip>
       <value>2644164</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45652</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287473</cusip>
       <value>1531694</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26445</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH INDEX</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287614</cusip>
       <value>715252</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9833</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH INDEX</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287614</cusip>
       <value>5092</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 VALUE</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287598</cusip>
       <value>408225</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4872</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600/VAL</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287879</cusip>
       <value>495886</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5307</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P 500 GROWTH INDEX FD</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287309</cusip>
       <value>3873617</value>
       <shrsOrPrnAmt>
           <sshPrnamt>46109</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P 500 GROWTH INDEX FD</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287309</cusip>
       <value>783813</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9330</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P 500 VALUE INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287408</cusip>
       <value>3478070</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45903</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P 500 VALUE INDEX FUND</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287408</cusip>
       <value>860368</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11355</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TR S&amp;P SMALLCAP/600 GROWTH</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287887</cusip>
       <value>423719</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4375</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MARKET VECTORS AGRIBUSINESS</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>57060U605</cusip>
       <value>206040</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4025</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MARKET VECTORS AGRIBUSINESS</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>57060U605</cusip>
       <value>11006</value>
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       <value>852313</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <shrsOrPrnAmt>
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           <Shared>0</Shared>
           <None>0</None>
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       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
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       <cusip>464288646</cusip>
       <value>901683</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8585</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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           <sshPrnamt>14185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <cusip>464287457</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <cusip>464287242</cusip>
       <value>396070</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
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       <cusip>464287242</cusip>
       <value>97171</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <cusip>464288687</cusip>
       <value>416368</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BOND ETF</nameOfIssuer>
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       <cusip>921937819</cusip>
       <value>1966997</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23559</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937819</cusip>
       <value>749762</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8980</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SHORT TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937827</cusip>
       <value>7820517</value>
       <shrsOrPrnAmt>
           <sshPrnamt>97671</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD SHORT TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937827</cusip>
       <value>2669133</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937835</cusip>
       <value>587189</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7260</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937835</cusip>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>BLACKROCK MUNIYIELD NEW JERSEY FUND</nameOfIssuer>
       <titleOfClass>CLOSED END FIXED INC-NON-TAX</titleOfClass>
       <cusip>09254Y109</cusip>
       <value>44100</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>BLACKROCK MUNIYIELD NEW JERSEY FUND</nameOfIssuer>
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       <cusip>09254Y109</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>7583</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>0</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>CLOSED END FIXED INC-NON-TAX</titleOfClass>
       <cusip>464288158</cusip>
       <value>725448</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6890</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <cusip>464288414</cusip>
       <value>515431</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
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       <cusip>670971100</cusip>
       <value>167510</value>
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           <Shared>0</Shared>
           <None>0</None>
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   </infoTable>
   <infoTable>
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       <cusip>67069Y102</cusip>
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       <cusip>67069Y102</cusip>
       <value>143206</value>
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       <investmentDiscretion>OTR</investmentDiscretion>
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</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
