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    <value>58</value>
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      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BIOGEN IDEC INC COM</nameOfIssuer>
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    <cusip>09062X103</cusip>
    <value>737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3425</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BIOGEN IDEC INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>3090</value>
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      <sshPrnamt>12030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11510</Sole>
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      <None>420</None>
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  <infoTable>
    <nameOfIssuer>BLACKROCK, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <None>2575</None>
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  <infoTable>
    <nameOfIssuer>BLACKROCK, INC.</nameOfIssuer>
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    <cusip>09247X101</cusip>
    <value>180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>700</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOEING CO COM</nameOfIssuer>
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    <cusip>097023105</cusip>
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      <sshPrnamt>579</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>579</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOEING CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>123</value>
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      <sshPrnamt>1200</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>1200</None>
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  <infoTable>
    <nameOfIssuer>BOEING CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>512</value>
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      <sshPrnamt>5000</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>5000</None>
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    <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>055622104</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4845</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2520</Sole>
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      <None>2325</None>
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    <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>055622104</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>1817</None>
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    <nameOfIssuer>BRISTOL MYERS SQUIBB COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5133</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5133</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>179</value>
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      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>4000</None>
    </votingAuthority>
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    <nameOfIssuer>CAMPBELL SOUP CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>134429109</cusip>
    <value>22</value>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO COM</nameOfIssuer>
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    <cusip>134429109</cusip>
    <value>868</value>
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      <sshPrnamt>19375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>19375</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>4984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73872</Sole>
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      <None>4475</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINANCIAL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6311</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL COM</nameOfIssuer>
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    <cusip>149123101</cusip>
    <value>3233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36542</Sole>
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      <None>2150</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>4935</None>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>5000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP COM</nameOfIssuer>
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    <cusip>151020104</cusip>
    <value>3806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>1415</None>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>151020104</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <None>3605</None>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP COM</nameOfIssuer>
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    <cusip>151020104</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP</nameOfIssuer>
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    <cusip>165167107</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27275</Sole>
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      <None>2375</None>
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  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP</nameOfIssuer>
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    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>1505</None>
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      <sshPrnamt>43475</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>2725</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP COM</nameOfIssuer>
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    <cusip>166764100</cusip>
    <value>826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <None>6977</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP COM</nameOfIssuer>
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    <value>888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>2500</Sole>
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      <None>5000</None>
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    <nameOfIssuer>CHICAGO BRIDGE &amp; IRON</nameOfIssuer>
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      <sshPrnamt>42180</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>800</None>
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  <infoTable>
    <nameOfIssuer>CHICAGO BRIDGE &amp; IRON</nameOfIssuer>
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    <cusip>167250109</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>275</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYS INC COM</nameOfIssuer>
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    <value>427</value>
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      <sshPrnamt>17555</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12330</Sole>
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      <None>5225</None>
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  <infoTable>
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    <cusip>17275R102</cusip>
    <value>124</value>
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      <sshPrnamt>5114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>5114</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
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    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>69243</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <None>69243</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>192446102</cusip>
    <value>1463</value>
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      <sshPrnamt>23355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22230</Sole>
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      <None>1125</None>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>10</None>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4168</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3568</Sole>
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      <None>600</None>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>2750</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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      <None>0</None>
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    <value>436</value>
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      <sshPrnamt>7200</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6800</Sole>
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      <None>400</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4075</None>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>242</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>3000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONTINENTAL RESORUCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>212015101</cusip>
    <value>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1585</Sole>
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      <None>1365</None>
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  <infoTable>
    <nameOfIssuer>CONTINENTAL RESORUCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>212015101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>155</None>
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    <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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    <cusip>22160K105</cusip>
    <value>177</value>
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      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>33</value>
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      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>300</None>
    </votingAuthority>
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    <nameOfIssuer>COVIDIEN PLC</nameOfIssuer>
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    <cusip>g2554f113</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2625</Sole>
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      <None>700</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>g2554f113</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>648</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DAVITA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23918K108</cusip>
    <value>1328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9970</Sole>
      <Shared>100</Shared>
      <None>925</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DAVITA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23918K108</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>705</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIRECTV COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25490a309</cusip>
    <value>4112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66715</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63790</Sole>
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      <None>2625</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIRECTV COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25490a309</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>5875</None>
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  <infoTable>
    <nameOfIssuer>DIRECTV COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25490a309</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY (WALT)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>3577</value>
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      <sshPrnamt>56642</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53967</Sole>
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      <None>2275</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY (WALT)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>5807</None>
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  <infoTable>
    <nameOfIssuer>DISNEY (WALT)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>263534109</cusip>
    <value>570</value>
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      <sshPrnamt>10860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8060</Sole>
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      <None>2800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>263534109</cusip>
    <value>113</value>
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      <sshPrnamt>2152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>2152</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>E M C CORP MASS COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>268648102</cusip>
    <value>1974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81575</Sole>
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      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>E M C CORP MASS COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>9734</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>g29183103</cusip>
    <value>4400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66865</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>3950</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>g29183103</cusip>
    <value>518</value>
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      <sshPrnamt>7872</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>7872</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>2000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
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      <sshPrnamt>36300</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35400</Sole>
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      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EBAY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <None>3700</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EBAY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>495</value>
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      <sshPrnamt>9075</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7775</Sole>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>6559</None>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>6000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HOLDING CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30219g108</cusip>
    <value>4907</value>
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      <sshPrnamt>79471</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72996</Sole>
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      <None>5475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HOLDING CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30219g108</cusip>
    <value>461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>7474</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HOLDING CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30219g108</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9765</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9765</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>6000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>2181</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1960</Sole>
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      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORPORATION COM</nameOfIssuer>
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      <sshPrnamt>7440</sshPrnamt>
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      <None>7440</None>
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      <None>300</None>
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    <cusip>437076102</cusip>
    <value>399</value>
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      <sshPrnamt>5150</sshPrnamt>
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    <votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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      <None>2399</None>
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      <None>3400</None>
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    <otherManager>01</otherManager>
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      <None>6791</None>
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    <nameOfIssuer>ISHARES CORE S&amp;P MID CAP ETF</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P MID CAP ETF</nameOfIssuer>
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      <None>4827</None>
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    <nameOfIssuer>ISHARES CORE S&amp;P MID CAP ETF</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ISHARES CORE S&amp;P SMALL CAP ETF</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>ISHARES CORE S&amp;P SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7298</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>7298</None>
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    <nameOfIssuer>ISHARES CORE S&amp;P SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES LATIN AMERICA 40 ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1902</value>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES LATIN AMERICA 40 ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287465</cusip>
    <value>4109</value>
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    <votingAuthority>
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      <None>40715</None>
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  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKTS ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287234</cusip>
    <value>5226</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>44855</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>464287234</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>6800</None>
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  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKTS ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287234</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI PACIFIC EX-JAPAN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286665</cusip>
    <value>1968</value>
    <shrsOrPrnAmt>
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      <None>19210</None>
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  <infoTable>
    <nameOfIssuer>ISHARES MSCI PACIFIC EX-JAPAN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286665</cusip>
    <value>45</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>1055</None>
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  <infoTable>
    <nameOfIssuer>ISHARES MSCI PACIFIC EX-JAPAN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464286665</cusip>
    <value>43</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287614</cusip>
    <value>18719</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>128240</Sole>
      <Shared>2700</Shared>
      <None>126400</None>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287614</cusip>
    <value>669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287598</cusip>
    <value>16439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>92930</Sole>
      <Shared>2500</Shared>
      <None>100760</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287598</cusip>
    <value>572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6825</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID CAP ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287499</cusip>
    <value>1050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6735</Sole>
      <Shared>0</Shared>
      <None>1350</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID CAP ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287499</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1660</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P GSCI COMMODITY-IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46428R107</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALL CAP 600 VALU</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287879</cusip>
    <value>421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3880</Sole>
      <Shared>0</Shared>
      <None>625</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALL CAP 600 VALU</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464287879</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>220</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>1144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11396</Sole>
      <Shared>500</Shared>
      <None>1425</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6201</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>6000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>1630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26400</Sole>
      <Shared>0</Shared>
      <None>4475</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50076q106</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50076q106</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1298</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50076q106</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LEVEL 3 COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>52729n308</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>259</Sole>
      <Shared>0</Shared>
      <None>12366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEVEL 3 COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>52729n308</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>547</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>8246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13273</Sole>
      <Shared>225</Shared>
      <None>855</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1455</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>3588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34164</Sole>
      <Shared>500</Shared>
      <None>1575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>1089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>10000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933y105</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933y105</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933y105</cusip>
    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4233</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>1881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49355</Sole>
      <Shared>0</Shared>
      <None>5100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9948</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC CL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC CL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC CL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONSANTO CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61166W101</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSANTO CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61166W101</cusip>
    <value>790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSANTO CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61166W101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>01</otherManager>
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      <Sole>0</Sole>
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      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL RETAIL PROPERTIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>637417106</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6350</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>49</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>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339f101</cusip>
    <value>163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>TESLA MOTORS, INC.</nameOfIssuer>
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  <infoTable>
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