<?xml version="1.0" encoding="windows-1252"?>
<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<infoTable>
  <nameOfIssuer>ABBOTT LABS COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>002824100</cusip>
  <value>2005279</value>
  <shrsOrPrnAmt>
    <sshPrnamt>20705</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>20705</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ABBOTT LABS COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>002824100</cusip>
  <value>5641706</value>
  <shrsOrPrnAmt>
    <sshPrnamt>58252</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>57152</Sole>
    <Shared>1100</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ABBOTT LABS COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>002824100</cusip>
  <value>242609</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2505</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2505</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ABBVIE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00287Y109</cusip>
  <value>2843767</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19078</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>19078</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ABBVIE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00287Y109</cusip>
  <value>8173407</value>
  <shrsOrPrnAmt>
    <sshPrnamt>54833</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>53558</Sole>
    <Shared>1275</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ABBVIE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00287Y109</cusip>
  <value>930880</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6245</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>6245</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ACCENTURE PLC F CLASS    A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G1151C101</cusip>
  <value>1452630</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4730</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4730</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ACCENTURE PLC F CLASS    A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G1151C101</cusip>
  <value>5255266</value>
  <shrsOrPrnAmt>
    <sshPrnamt>17112</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>15312</Sole>
    <Shared>1800</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ACCENTURE PLC F CLASS    A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G1151C101</cusip>
  <value>211906</value>
  <shrsOrPrnAmt>
    <sshPrnamt>690</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>690</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ADOBE INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00724F101</cusip>
  <value>14666764</value>
  <shrsOrPrnAmt>
    <sshPrnamt>28764</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>28764</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ADOBE INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00724F101</cusip>
  <value>18150910</value>
  <shrsOrPrnAmt>
    <sshPrnamt>35597</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>35367</Sole>
    <Shared>230</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ADOBE INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00724F101</cusip>
  <value>2528594</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4959</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>4959</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AIR NEW ZEALAND LIMITED</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>Q0169V100</cusip>
  <value>11524</value>
  <shrsOrPrnAmt>
    <sshPrnamt>26315</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>26315</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AIR PRODS &amp; CHEMS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>009158106</cusip>
  <value>187044</value>
  <shrsOrPrnAmt>
    <sshPrnamt>660</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>660</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AIR PRODS &amp;amp; CHEMS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>009158106</cusip>
  <value>155870</value>
  <shrsOrPrnAmt>
    <sshPrnamt>550</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>550</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALCON AG ORD SHS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>H01301128</cusip>
  <value>8752706</value>
  <shrsOrPrnAmt>
    <sshPrnamt>113583</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>113583</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALCON AG ORD SHS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>H01301128</cusip>
  <value>12987461</value>
  <shrsOrPrnAmt>
    <sshPrnamt>168537</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>166487</Sole>
    <Shared>2050</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALCON AG ORD SHS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>H01301128</cusip>
  <value>1474081</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19129</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>19129</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALLIANT ENERGY CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>018802108</cusip>
  <value>236194</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4875</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>4875</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02079K305</cusip>
  <value>39501138</value>
  <shrsOrPrnAmt>
    <sshPrnamt>301858</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>301858</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02079K305</cusip>
  <value>54635620</value>
  <shrsOrPrnAmt>
    <sshPrnamt>417512</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>412412</Sole>
    <Shared>5100</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02079K305</cusip>
  <value>7796377</value>
  <shrsOrPrnAmt>
    <sshPrnamt>59578</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>59578</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02079K107</cusip>
  <value>16496413</value>
  <shrsOrPrnAmt>
    <sshPrnamt>125115</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>125115</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02079K107</cusip>
  <value>21314344</value>
  <shrsOrPrnAmt>
    <sshPrnamt>161656</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>155416</Sole>
    <Shared>6240</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02079K107</cusip>
  <value>2799176</value>
  <shrsOrPrnAmt>
    <sshPrnamt>21230</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>21230</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02209S103</cusip>
  <value>819681</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19493</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>19493</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02209S103</cusip>
  <value>1364060</value>
  <shrsOrPrnAmt>
    <sshPrnamt>32439</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>28839</Sole>
    <Shared>3600</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>02209S103</cusip>
  <value>242839</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5775</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>5775</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>023135106</cusip>
  <value>34560496</value>
  <shrsOrPrnAmt>
    <sshPrnamt>271873</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>271873</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>023135106</cusip>
  <value>48365728</value>
  <shrsOrPrnAmt>
    <sshPrnamt>380473</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>372623</Sole>
    <Shared>7850</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>023135106</cusip>
  <value>6751343</value>
  <shrsOrPrnAmt>
    <sshPrnamt>53110</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>53110</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERIPRISE FINANCIAL INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03076C106</cusip>
  <value>430232</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1305</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1305</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERIPRISE FINANCIAL INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03076C106</cusip>
  <value>362648</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1000</Sole>
    <Shared>100</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERIPRISE FINANCIAL INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03076C106</cusip>
  <value>247260</value>
  <shrsOrPrnAmt>
    <sshPrnamt>750</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>750</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMGEN INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>031162100</cusip>
  <value>1908465</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7101</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7101</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMGEN INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>031162100</cusip>
  <value>5768665</value>
  <shrsOrPrnAmt>
    <sshPrnamt>21464</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>20714</Sole>
    <Shared>750</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMGEN INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>031162100</cusip>
  <value>472480</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1758</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1758</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>032095101</cusip>
  <value>245587</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2924</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2924</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>032095101</cusip>
  <value>456990</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5441</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>5441</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>032095101</cusip>
  <value>73911</value>
  <shrsOrPrnAmt>
    <sshPrnamt>880</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>880</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>APPLE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>037833100</cusip>
  <value>57900483</value>
  <shrsOrPrnAmt>
    <sshPrnamt>338184</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>338184</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>APPLE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>037833100</cusip>
  <value>94931494</value>
  <shrsOrPrnAmt>
    <sshPrnamt>554474</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>517824</Sole>
    <Shared>36650</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>APPLE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>037833100</cusip>
  <value>12068764</value>
  <shrsOrPrnAmt>
    <sshPrnamt>70491</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>70491</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>APTARGROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>038336103</cusip>
  <value>5295319</value>
  <shrsOrPrnAmt>
    <sshPrnamt>42349</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>42349</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>APTARGROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>038336103</cusip>
  <value>9492036</value>
  <shrsOrPrnAmt>
    <sshPrnamt>75912</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>75662</Sole>
    <Shared>250</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>APTARGROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>038336103</cusip>
  <value>1111356</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8888</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>8888</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AT&amp;T INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00206R102</cusip>
  <value>1502</value>
  <shrsOrPrnAmt>
    <sshPrnamt>100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AT&amp;amp;T INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00206R102</cusip>
  <value>646506</value>
  <shrsOrPrnAmt>
    <sshPrnamt>43043</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>43043</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AUTOMATIC DATA PROCESSING COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>053015103</cusip>
  <value>1490874</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6197</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>6197</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AUTOMATIC DATA PROCESSING COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>053015103</cusip>
  <value>2342768</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9738</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>9738</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AUTOMATIC DATA PROCESSING COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>053015103</cusip>
  <value>319250</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1327</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1327</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AUTOZONE INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>053332102</cusip>
  <value>414018</value>
  <shrsOrPrnAmt>
    <sshPrnamt>163</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>163</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BECTON DICKINSON &amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>075887109</cusip>
  <value>1150459</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4450</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4450</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BECTON DICKINSON &amp;amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>075887109</cusip>
  <value>642447</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2485</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2485</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BECTON DICKINSON &amp;amp;amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>075887109</cusip>
  <value>131850</value>
  <shrsOrPrnAmt>
    <sshPrnamt>510</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>510</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>084670108</cusip>
  <value>41455206</value>
  <shrsOrPrnAmt>
    <sshPrnamt>78</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>78</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>084670108</cusip>
  <value>133932204</value>
  <shrsOrPrnAmt>
    <sshPrnamt>252</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>252</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>084670108</cusip>
  <value>2125908</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>4</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>084670702</cusip>
  <value>38849671</value>
  <shrsOrPrnAmt>
    <sshPrnamt>110904</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>110904</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>084670702</cusip>
  <value>40276793</value>
  <shrsOrPrnAmt>
    <sshPrnamt>114978</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>111623</Sole>
    <Shared>3355</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>084670702</cusip>
  <value>5448566</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15554</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>15554</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BLACKROCK, INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>09247X101</cusip>
  <value>10384569</value>
  <shrsOrPrnAmt>
    <sshPrnamt>16063</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>16063</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BLACKROCK, INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>09247X101</cusip>
  <value>16872743</value>
  <shrsOrPrnAmt>
    <sshPrnamt>26099</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>25139</Sole>
    <Shared>960</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BLACKROCK, INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>09247X101</cusip>
  <value>1722896</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2665</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2665</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOEING CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>097023105</cusip>
  <value>584624</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3050</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3050</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOEING CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>097023105</cusip>
  <value>2453696</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12801</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>12201</Sole>
    <Shared>600</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOEING CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>097023105</cusip>
  <value>283686</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1480</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1480</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>09857L108</cusip>
  <value>317647</value>
  <shrsOrPrnAmt>
    <sshPrnamt>103</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>103</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>09857L108</cusip>
  <value>585951</value>
  <shrsOrPrnAmt>
    <sshPrnamt>190</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>190</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>09857L108</cusip>
  <value>123358</value>
  <shrsOrPrnAmt>
    <sshPrnamt>40</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>40</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOOZ ALLEN HAMILTON HOLDINGS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>099502106</cusip>
  <value>378511</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3464</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3464</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOOZ ALLEN HAMILTON HOLDINGS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>099502106</cusip>
  <value>873832</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7997</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>7997</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BOOZ ALLEN HAMILTON HOLDINGS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>099502106</cusip>
  <value>23493</value>
  <shrsOrPrnAmt>
    <sshPrnamt>215</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>215</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BRISTOL MYERS SQUIBB COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>110122108</cusip>
  <value>464320</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8000</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BRISTOL MYERS SQUIBB COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>110122108</cusip>
  <value>274471</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4729</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>4729</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BROADCOM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>11135F101</cusip>
  <value>2151202</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2590</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2590</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BROADCOM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>11135F101</cusip>
  <value>5200261</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6261</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>6211</Sole>
    <Shared>50</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BROADCOM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>11135F101</cusip>
  <value>583067</value>
  <shrsOrPrnAmt>
    <sshPrnamt>702</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>702</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>05605H100</cusip>
  <value>4841309</value>
  <shrsOrPrnAmt>
    <sshPrnamt>64568</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>64568</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>05605H100</cusip>
  <value>13488677</value>
  <shrsOrPrnAmt>
    <sshPrnamt>179897</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>177597</Sole>
    <Shared>2300</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>05605H100</cusip>
  <value>1381731</value>
  <shrsOrPrnAmt>
    <sshPrnamt>18428</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>18428</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CABLE ONE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>12685J105</cusip>
  <value>5750693</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9341</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>9341</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CABLE ONE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>12685J105</cusip>
  <value>8361622</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13582</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>13307</Sole>
    <Shared>275</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CABLE ONE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>12685J105</cusip>
  <value>849583</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1380</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1380</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CAPITAL ONE FINANCIAL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>14040H105</cusip>
  <value>252330</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2600</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2600</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CAPITAL ONE FINANCIAL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>14040H105</cusip>
  <value>618694</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6375</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>6375</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CAPITAL ONE FINANCIAL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>14040H105</cusip>
  <value>155280</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1600</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1600</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>14448C104</cusip>
  <value>31188</value>
  <shrsOrPrnAmt>
    <sshPrnamt>565</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>565</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>14448C104</cusip>
  <value>1011816</value>
  <shrsOrPrnAmt>
    <sshPrnamt>18330</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>18330</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CASEYS GEN STORES COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>147528103</cusip>
  <value>8370962</value>
  <shrsOrPrnAmt>
    <sshPrnamt>30830</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>30830</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CASEYS GEN STORES COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>147528103</cusip>
  <value>14076954</value>
  <shrsOrPrnAmt>
    <sshPrnamt>51845</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>51105</Sole>
    <Shared>740</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CASEYS GEN STORES COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>147528103</cusip>
  <value>1441228</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5308</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>5308</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CATERPILLAR INC DEL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>149123101</cusip>
  <value>13650</value>
  <shrsOrPrnAmt>
    <sshPrnamt>50</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>50</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CATERPILLAR INC DEL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>149123101</cusip>
  <value>54600</value>
  <shrsOrPrnAmt>
    <sshPrnamt>200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>200</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CATERPILLAR INC DEL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>149123101</cusip>
  <value>623805</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2285</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2285</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CGTV MEDIA GROUP, INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>999002272</cusip>
  <value>0</value>
  <shrsOrPrnAmt>
    <sshPrnamt>20000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>20000</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CHEMED CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>16359R103</cusip>
  <value>6943192</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13360</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>13360</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CHEMED CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>16359R103</cusip>
  <value>10151300</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19533</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>19163</Sole>
    <Shared>370</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CHEMED CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>16359R103</cusip>
  <value>1060188</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2040</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2040</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CHEVRON CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>166764100</cusip>
  <value>3095337</value>
  <shrsOrPrnAmt>
    <sshPrnamt>18357</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>18357</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CHEVRON CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>166764100</cusip>
  <value>10673309</value>
  <shrsOrPrnAmt>
    <sshPrnamt>63298</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>61478</Sole>
    <Shared>1820</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CHEVRON CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>166764100</cusip>
  <value>938033</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5563</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>5563</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CINTAS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>172908105</cusip>
  <value>936045</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1946</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1946</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CINTAS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>172908105</cusip>
  <value>1621966</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3372</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3372</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CINTAS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>172908105</cusip>
  <value>136607</value>
  <shrsOrPrnAmt>
    <sshPrnamt>284</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>284</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CISCO SYS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>17275R102</cusip>
  <value>562813</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10469</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>10469</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CISCO SYS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>17275R102</cusip>
  <value>925102</value>
  <shrsOrPrnAmt>
    <sshPrnamt>17208</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>17208</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CISCO SYS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>17275R102</cusip>
  <value>94080</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1750</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1750</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CLOROX CO DEL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>189054109</cusip>
  <value>353862</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2700</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2700</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CLOROX CO DEL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>189054109</cusip>
  <value>69855</value>
  <shrsOrPrnAmt>
    <sshPrnamt>533</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>533</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>191216100</cusip>
  <value>443250</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7918</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7918</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>191216100</cusip>
  <value>690345</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12332</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>12332</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>191216100</cusip>
  <value>358272</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6400</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>6400</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COLGATE PALMOLIVE CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>194162103</cusip>
  <value>42666</value>
  <shrsOrPrnAmt>
    <sshPrnamt>600</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>600</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COLGATE PALMOLIVE CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>194162103</cusip>
  <value>855951</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12037</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>11337</Sole>
    <Shared>700</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COMCAST CORP CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>20030N101</cusip>
  <value>1160733</value>
  <shrsOrPrnAmt>
    <sshPrnamt>26178</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>26178</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COMCAST CORP CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>20030N101</cusip>
  <value>3098302</value>
  <shrsOrPrnAmt>
    <sshPrnamt>69876</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>69876</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COMCAST CORP CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>20030N101</cusip>
  <value>740389</value>
  <shrsOrPrnAmt>
    <sshPrnamt>16698</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>16698</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CONAGRA BRANDS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>205887102</cusip>
  <value>302607</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11036</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>11036</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CONAGRA BRANDS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>205887102</cusip>
  <value>68550</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CONAGRA BRANDS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>205887102</cusip>
  <value>212505</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7750</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>7750</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COPART INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>217204106</cusip>
  <value>5532411</value>
  <shrsOrPrnAmt>
    <sshPrnamt>128392</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>128392</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COPART INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>217204106</cusip>
  <value>7526487</value>
  <shrsOrPrnAmt>
    <sshPrnamt>174669</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>171119</Sole>
    <Shared>3550</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COPART INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>217204106</cusip>
  <value>1148521</value>
  <shrsOrPrnAmt>
    <sshPrnamt>26654</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>26654</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>22160K105</cusip>
  <value>2872257</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5084</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5084</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>22160K105</cusip>
  <value>3848508</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6812</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>6512</Sole>
    <Shared>300</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>22160K105</cusip>
  <value>181917</value>
  <shrsOrPrnAmt>
    <sshPrnamt>322</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>322</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CRESCO LABORATORIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>22587M106</cusip>
  <value>23229</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11443</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>11443</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>DEERE &amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>244199105</cusip>
  <value>732117</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1940</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1940</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>DEERE &amp;amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>244199105</cusip>
  <value>1215164</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3220</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2740</Sole>
    <Shared>480</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>DEERE &amp;amp;amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>244199105</cusip>
  <value>301904</value>
  <shrsOrPrnAmt>
    <sshPrnamt>800</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>800</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>DISNEY (WALT)</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>254687106</cusip>
  <value>477141</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5887</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5887</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>DISNEY (WALT)</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>254687106</cusip>
  <value>734880</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9067</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>9067</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>DISNEY (WALT)</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>254687106</cusip>
  <value>332305</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>4100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>26441C204</cusip>
  <value>117386</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1330</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1330</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>26441C204</cusip>
  <value>96998</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1099</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1099</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G29183103</cusip>
  <value>474548</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2225</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2225</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G29183103</cusip>
  <value>2008031</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9415</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>8715</Sole>
    <Shared>700</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G29183103</cusip>
  <value>85312</value>
  <shrsOrPrnAmt>
    <sshPrnamt>400</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>400</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ECOLAB INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>278865100</cusip>
  <value>280357</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1655</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1655</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ECOLAB INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>278865100</cusip>
  <value>173635</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1025</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1025</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ECOLAB INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>278865100</cusip>
  <value>84700</value>
  <shrsOrPrnAmt>
    <sshPrnamt>500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EDWARDS LIFESCIENCES CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>28176E108</cusip>
  <value>6240396</value>
  <shrsOrPrnAmt>
    <sshPrnamt>90075</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>90075</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EDWARDS LIFESCIENCES CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>28176E108</cusip>
  <value>7796910</value>
  <shrsOrPrnAmt>
    <sshPrnamt>112542</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>111642</Sole>
    <Shared>900</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EDWARDS LIFESCIENCES CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>28176E108</cusip>
  <value>782587</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11296</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>11296</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>291011104</cusip>
  <value>26557</value>
  <shrsOrPrnAmt>
    <sshPrnamt>275</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>275</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>291011104</cusip>
  <value>627705</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>6500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>291011104</cusip>
  <value>299367</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>3100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EOG RESOURCES INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>26875P101</cusip>
  <value>6658196</value>
  <shrsOrPrnAmt>
    <sshPrnamt>52526</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>52526</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EOG RESOURCES INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>26875P101</cusip>
  <value>12945111</value>
  <shrsOrPrnAmt>
    <sshPrnamt>102123</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>100373</Sole>
    <Shared>1750</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EOG RESOURCES INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>26875P101</cusip>
  <value>1525303</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12033</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>12033</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ESTEE LAUDER COMPANY COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>518439104</cusip>
  <value>408209</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2824</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2824</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ESTEE LAUDER COMPANY COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>518439104</cusip>
  <value>793146</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5487</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>5487</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ESTEE LAUDER COMPANY COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>518439104</cusip>
  <value>41775</value>
  <shrsOrPrnAmt>
    <sshPrnamt>289</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>289</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>30231G102</cusip>
  <value>836582</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7115</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7115</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>30231G102</cusip>
  <value>6060779</value>
  <shrsOrPrnAmt>
    <sshPrnamt>51546</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>51546</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>30231G102</cusip>
  <value>196947</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1675</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1675</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FAIR ISAAC CORPORATION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>303250104</cusip>
  <value>201499</value>
  <shrsOrPrnAmt>
    <sshPrnamt>232</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>232</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FIRST NATL NEB INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>335720108</cusip>
  <value>2769254</value>
  <shrsOrPrnAmt>
    <sshPrnamt>218</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>218</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FIRST NATL NEB INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>335720108</cusip>
  <value>4103069</value>
  <shrsOrPrnAmt>
    <sshPrnamt>323</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>323</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FIRST NATL NEB INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>335720108</cusip>
  <value>38109</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>3</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FISERV INC WISCONSIN COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>337738108</cusip>
  <value>545032</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4825</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4825</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FISERV INC WISCONSIN COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>337738108</cusip>
  <value>220272</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1950</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1950</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GENERAC HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>368736104</cusip>
  <value>3902729</value>
  <shrsOrPrnAmt>
    <sshPrnamt>35818</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>35818</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GENERAC HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>368736104</cusip>
  <value>5284778</value>
  <shrsOrPrnAmt>
    <sshPrnamt>48502</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>47952</Sole>
    <Shared>550</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GENERAC HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>368736104</cusip>
  <value>594486</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5456</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>5456</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>369604301</cusip>
  <value>144268</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1305</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1305</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>369604301</cusip>
  <value>768323</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6950</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>6950</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GENERAL MILLS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>370334104</cusip>
  <value>540140</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8441</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>8441</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GRACO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>384109104</cusip>
  <value>415780</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5705</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5705</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GRACO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>384109104</cusip>
  <value>777192</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10664</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>10664</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GRACO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>384109104</cusip>
  <value>23686</value>
  <shrsOrPrnAmt>
    <sshPrnamt>325</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>325</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HERSHEY COMPANY</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>427866108</cusip>
  <value>516807</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2583</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2583</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HERSHEY COMPANY</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>427866108</cusip>
  <value>1299720</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6496</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>6396</Sole>
    <Shared>100</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HERSHEY COMPANY</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>427866108</cusip>
  <value>29412</value>
  <shrsOrPrnAmt>
    <sshPrnamt>147</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>147</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HOME DEPOT INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>437076102</cusip>
  <value>12179767</value>
  <shrsOrPrnAmt>
    <sshPrnamt>40309</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>40309</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HOME DEPOT INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>437076102</cusip>
  <value>18729690</value>
  <shrsOrPrnAmt>
    <sshPrnamt>61986</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>60761</Sole>
    <Shared>1225</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HOME DEPOT INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>437076102</cusip>
  <value>2710980</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8972</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>8972</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>438516106</cusip>
  <value>2326800</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12595</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>12595</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>438516106</cusip>
  <value>1918710</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10386</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>10386</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>438516106</cusip>
  <value>237391</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1285</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1285</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTEL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>458140100</cusip>
  <value>174195</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4900</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4900</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTEL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>458140100</cusip>
  <value>213300</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>6000</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTEL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>458140100</cusip>
  <value>5333</value>
  <shrsOrPrnAmt>
    <sshPrnamt>150</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>150</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTERCONTINENTAL EXCHANGE INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>45866F104</cusip>
  <value>6593499</value>
  <shrsOrPrnAmt>
    <sshPrnamt>59930</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>59930</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTERCONTINENTAL EXCHANGE INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>45866F104</cusip>
  <value>10595366</value>
  <shrsOrPrnAmt>
    <sshPrnamt>96304</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>95654</Sole>
    <Shared>650</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTERCONTINENTAL EXCHANGE INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>45866F104</cusip>
  <value>1010644</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9186</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>9186</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTERNATIONAL BUS MACH COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>459200101</cusip>
  <value>627843</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4475</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4475</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTERNATIONAL BUS MACH COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>459200101</cusip>
  <value>1455332</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10373</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>10373</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTERNATIONAL BUS MACH COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>459200101</cusip>
  <value>168360</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1200</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTUIT INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>461202103</cusip>
  <value>862467</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1688</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1688</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTUIT INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>461202103</cusip>
  <value>1596177</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3124</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3124</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTUIT INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>461202103</cusip>
  <value>90947</value>
  <shrsOrPrnAmt>
    <sshPrnamt>178</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>178</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTUITIVE SURGICAL, INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46120E602</cusip>
  <value>5596184</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19146</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>19146</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTUITIVE SURGICAL, INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46120E602</cusip>
  <value>10286854</value>
  <shrsOrPrnAmt>
    <sshPrnamt>35194</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>34559</Sole>
    <Shared>635</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INTUITIVE SURGICAL, INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46120E602</cusip>
  <value>1340442</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4586</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>4586</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>IQVIA HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46266C105</cusip>
  <value>70633</value>
  <shrsOrPrnAmt>
    <sshPrnamt>359</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>359</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>IQVIA HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46266C105</cusip>
  <value>230788</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1173</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1173</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>478160104</cusip>
  <value>2987752</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19183</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>19183</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>JOHNSON &amp;amp; JOHNSON COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>478160104</cusip>
  <value>4201824</value>
  <shrsOrPrnAmt>
    <sshPrnamt>26978</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>26178</Sole>
    <Shared>800</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>JOHNSON &amp;amp;amp; JOHNSON COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>478160104</cusip>
  <value>1067978</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6857</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>6857</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>JOHNSON CONTROLS INTERNATIONAL</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G51502105</cusip>
  <value>95778</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1800</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1800</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>JOHNSON CONTROLS INTERNATIONAL</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G51502105</cusip>
  <value>177828</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3342</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3342</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>JPMORGAN CHASE &amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46625H100</cusip>
  <value>13170136</value>
  <shrsOrPrnAmt>
    <sshPrnamt>90816</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>90816</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>JPMORGAN CHASE &amp;amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46625H100</cusip>
  <value>21590723</value>
  <shrsOrPrnAmt>
    <sshPrnamt>148881</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>146056</Sole>
    <Shared>2825</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>JPMORGAN CHASE &amp;amp;amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46625H100</cusip>
  <value>2361216</value>
  <shrsOrPrnAmt>
    <sshPrnamt>16282</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>16282</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>494368103</cusip>
  <value>6043</value>
  <shrsOrPrnAmt>
    <sshPrnamt>50</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>50</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>494368103</cusip>
  <value>318198</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2633</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2633</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>494368103</cusip>
  <value>253785</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>KLA CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>482480100</cusip>
  <value>1085648</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2367</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2367</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>KLA CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>482480100</cusip>
  <value>1720434</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3751</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3751</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>KLA CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>482480100</cusip>
  <value>151358</value>
  <shrsOrPrnAmt>
    <sshPrnamt>330</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>330</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>502431109</cusip>
  <value>424679</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2439</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2439</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>502431109</cusip>
  <value>1031139</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5922</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>5922</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>502431109</cusip>
  <value>114919</value>
  <shrsOrPrnAmt>
    <sshPrnamt>660</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>660</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LAMB WESTON HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>513272104</cusip>
  <value>254357</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2751</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2751</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LAMB WESTON HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>513272104</cusip>
  <value>115575</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1250</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1250</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LEGGETT &amp; PLATT INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>524660107</cusip>
  <value>647955</value>
  <shrsOrPrnAmt>
    <sshPrnamt>25500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>25500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LILLY ELI &amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>532457108</cusip>
  <value>2108235</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3925</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3925</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LILLY ELI &amp;amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>532457108</cusip>
  <value>2704450</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5035</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>4785</Sole>
    <Shared>250</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LILLY ELI &amp;amp;amp; CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>532457108</cusip>
  <value>572581</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1066</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1066</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LINDE PLC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G54950103</cusip>
  <value>815447</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2190</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2190</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LINDE PLC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G54950103</cusip>
  <value>2510384</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6742</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>6742</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LINDE PLC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>G54950103</cusip>
  <value>215963</value>
  <shrsOrPrnAmt>
    <sshPrnamt>580</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>580</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LITHIA MTRS INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>536797103</cusip>
  <value>5190720</value>
  <shrsOrPrnAmt>
    <sshPrnamt>17576</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>17576</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LITHIA MTRS INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>536797103</cusip>
  <value>9745890</value>
  <shrsOrPrnAmt>
    <sshPrnamt>33000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>32317</Sole>
    <Shared>683</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LITHIA MTRS INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>536797103</cusip>
  <value>494678</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1675</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1675</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>539830109</cusip>
  <value>1408867</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3445</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3445</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>539830109</cusip>
  <value>3055340</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7471</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>7371</Sole>
    <Shared>100</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>539830109</cusip>
  <value>80974</value>
  <shrsOrPrnAmt>
    <sshPrnamt>198</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>198</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LOWES COMPANIES COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>548661107</cusip>
  <value>11191353</value>
  <shrsOrPrnAmt>
    <sshPrnamt>53846</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>53846</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LOWES COMPANIES COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>548661107</cusip>
  <value>14148708</value>
  <shrsOrPrnAmt>
    <sshPrnamt>68075</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>66875</Sole>
    <Shared>1200</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>LOWES COMPANIES COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>548661107</cusip>
  <value>2131399</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10255</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>10255</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MARRIOTT INTL INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>571903202</cusip>
  <value>196560</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1000</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MARRIOTT INTL INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>571903202</cusip>
  <value>347125</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1766</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1766</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MASTERCARD</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>57636Q104</cusip>
  <value>31546901</value>
  <shrsOrPrnAmt>
    <sshPrnamt>79682</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>79682</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MASTERCARD</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>57636Q104</cusip>
  <value>52580015</value>
  <shrsOrPrnAmt>
    <sshPrnamt>132808</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>119308</Sole>
    <Shared>13500</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MASTERCARD</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>57636Q104</cusip>
  <value>6169466</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15583</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>15583</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MCCORMICK &amp; COMPANY, INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>579780206</cusip>
  <value>714042</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9440</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>9440</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>580135101</cusip>
  <value>3044576</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11557</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>11557</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>580135101</cusip>
  <value>9176142</value>
  <shrsOrPrnAmt>
    <sshPrnamt>34832</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>31229</Sole>
    <Shared>3603</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>580135101</cusip>
  <value>750014</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2847</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2847</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>58933Y105</cusip>
  <value>480777</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4670</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4670</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MERCK &amp;amp; CO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>58933Y105</cusip>
  <value>3633620</value>
  <shrsOrPrnAmt>
    <sshPrnamt>35295</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>35295</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MERCK &amp;amp;amp; CO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>58933Y105</cusip>
  <value>525045</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>5100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>30303M102</cusip>
  <value>10457815</value>
  <shrsOrPrnAmt>
    <sshPrnamt>34835</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>34835</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>30303M102</cusip>
  <value>15795849</value>
  <shrsOrPrnAmt>
    <sshPrnamt>52616</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>52341</Sole>
    <Shared>275</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>30303M102</cusip>
  <value>1985889</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6615</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>6615</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>594918104</cusip>
  <value>57388510</value>
  <shrsOrPrnAmt>
    <sshPrnamt>181753</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>181753</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>594918104</cusip>
  <value>69629190</value>
  <shrsOrPrnAmt>
    <sshPrnamt>220520</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>217870</Sole>
    <Shared>2650</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>594918104</cusip>
  <value>10540367</value>
  <shrsOrPrnAmt>
    <sshPrnamt>33382</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>33382</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MONDELEZ INTERNATIONAL INC CL </nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>609207105</cusip>
  <value>6940</value>
  <shrsOrPrnAmt>
    <sshPrnamt>100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MONDELEZ INTERNATIONAL INC CL </nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>609207105</cusip>
  <value>655344</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9443</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>8742</Sole>
    <Shared>701</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MONDELEZ INTERNATIONAL INC CL </nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>609207105</cusip>
  <value>222080</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>3200</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MOODY&apos;S CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>615369105</cusip>
  <value>411021</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1300</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1300</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MOODY&amp;apos;S CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>615369105</cusip>
  <value>411021</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1300</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1300</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MUELLER INDS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>624756102</cusip>
  <value>360768</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4800</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>4800</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>65339F101</cusip>
  <value>126095</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2201</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2201</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>65339F101</cusip>
  <value>979888</value>
  <shrsOrPrnAmt>
    <sshPrnamt>17104</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>13104</Sole>
    <Shared>4000</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>65339F101</cusip>
  <value>68748</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1200</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>654106103</cusip>
  <value>1268399</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13265</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>13265</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>654106103</cusip>
  <value>2254146</value>
  <shrsOrPrnAmt>
    <sshPrnamt>23574</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>22374</Sole>
    <Shared>1200</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>654106103</cusip>
  <value>73245</value>
  <shrsOrPrnAmt>
    <sshPrnamt>766</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>766</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>67066G104</cusip>
  <value>22728662</value>
  <shrsOrPrnAmt>
    <sshPrnamt>52251</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>52251</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>67066G104</cusip>
  <value>25439520</value>
  <shrsOrPrnAmt>
    <sshPrnamt>58483</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>58248</Sole>
    <Shared>235</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>67066G104</cusip>
  <value>2321977</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5338</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>5338</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>OLD DOMINION FREIGHT LINE, INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>679580100</cusip>
  <value>23280884</value>
  <shrsOrPrnAmt>
    <sshPrnamt>56902</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>56902</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>OLD DOMINION FREIGHT LINE, INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>679580100</cusip>
  <value>29326337</value>
  <shrsOrPrnAmt>
    <sshPrnamt>71678</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>70613</Sole>
    <Shared>1065</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>OLD DOMINION FREIGHT LINE, INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>679580100</cusip>
  <value>3970295</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9704</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>9704</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ONEOK INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>682680103</cusip>
  <value>181917</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2868</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2868</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ONEOK INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>682680103</cusip>
  <value>25255</value>
  <shrsOrPrnAmt>
    <sshPrnamt>398</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>398</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>68389X105</cusip>
  <value>1890672</value>
  <shrsOrPrnAmt>
    <sshPrnamt>17850</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>17850</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>68389X105</cusip>
  <value>248806</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2349</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2349</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>68902V107</cusip>
  <value>734033</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9140</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>9140</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>697435105</cusip>
  <value>18548424</value>
  <shrsOrPrnAmt>
    <sshPrnamt>79118</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>79118</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>697435105</cusip>
  <value>23203933</value>
  <shrsOrPrnAmt>
    <sshPrnamt>98976</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>97466</Sole>
    <Shared>1510</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>697435105</cusip>
  <value>3122741</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13320</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>13320</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>704326107</cusip>
  <value>138396</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1200</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>704326107</cusip>
  <value>309661</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2685</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2685</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>70450Y103</cusip>
  <value>6581485</value>
  <shrsOrPrnAmt>
    <sshPrnamt>112581</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>112581</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>70450Y103</cusip>
  <value>10479890</value>
  <shrsOrPrnAmt>
    <sshPrnamt>179266</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>174841</Sole>
    <Shared>4425</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>70450Y103</cusip>
  <value>890463</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15232</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>15232</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>713448108</cusip>
  <value>5234679</value>
  <shrsOrPrnAmt>
    <sshPrnamt>30894</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>30894</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>713448108</cusip>
  <value>9650625</value>
  <shrsOrPrnAmt>
    <sshPrnamt>56956</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>49416</Sole>
    <Shared>7540</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>713448108</cusip>
  <value>1155920</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6822</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>6822</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>717081103</cusip>
  <value>364870</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>11000</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>717081103</cusip>
  <value>1141048</value>
  <shrsOrPrnAmt>
    <sshPrnamt>34400</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>34400</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>717081103</cusip>
  <value>149265</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>4500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PHILIP MORRIS INTERNATIONAL IN</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>718172109</cusip>
  <value>677686</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7320</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7320</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PHILIP MORRIS INTERNATIONAL IN</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>718172109</cusip>
  <value>3114299</value>
  <shrsOrPrnAmt>
    <sshPrnamt>33639</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>28399</Sole>
    <Shared>5240</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PHILIP MORRIS INTERNATIONAL IN</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>718172109</cusip>
  <value>876270</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9465</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>9465</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>POOL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>73278L105</cusip>
  <value>1871306</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5255</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5255</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>POOL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>73278L105</cusip>
  <value>5568692</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15638</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>15315</Sole>
    <Shared>323</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>POOL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>73278L105</cusip>
  <value>272417</value>
  <shrsOrPrnAmt>
    <sshPrnamt>765</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>765</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROCTER &amp; GAMBLE CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>742718109</cusip>
  <value>315058</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2160</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2160</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROCTER &amp;amp; GAMBLE CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>742718109</cusip>
  <value>2715476</value>
  <shrsOrPrnAmt>
    <sshPrnamt>18617</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>17667</Sole>
    <Shared>950</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROCTER &amp;amp;amp; GAMBLE CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>742718109</cusip>
  <value>167010</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1145</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1145</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>743315103</cusip>
  <value>12500643</value>
  <shrsOrPrnAmt>
    <sshPrnamt>89739</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>89739</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>743315103</cusip>
  <value>16650390</value>
  <shrsOrPrnAmt>
    <sshPrnamt>119529</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>118654</Sole>
    <Shared>875</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>743315103</cusip>
  <value>2400975</value>
  <shrsOrPrnAmt>
    <sshPrnamt>17236</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>17236</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>QUALCOMM INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>747525103</cusip>
  <value>448016</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4034</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4034</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>QUALCOMM INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>747525103</cusip>
  <value>911580</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8208</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>7983</Sole>
    <Shared>225</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>QUALCOMM INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>747525103</cusip>
  <value>83295</value>
  <shrsOrPrnAmt>
    <sshPrnamt>750</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>750</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>776696106</cusip>
  <value>397110</value>
  <shrsOrPrnAmt>
    <sshPrnamt>820</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>820</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>776696106</cusip>
  <value>1651395</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3410</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1810</Sole>
    <Shared>1600</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>776696106</cusip>
  <value>464909</value>
  <shrsOrPrnAmt>
    <sshPrnamt>960</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>960</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RTX CORPORATION COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>75513E101</cusip>
  <value>74345</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1033</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1033</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RTX CORPORATION COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>75513E101</cusip>
  <value>1429756</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19866</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>19866</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RTX CORPORATION COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>75513E101</cusip>
  <value>135304</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1880</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1880</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>S &amp; P GLOBAL INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>78409V104</cusip>
  <value>11971197</value>
  <shrsOrPrnAmt>
    <sshPrnamt>32761</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>32761</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>S &amp;amp; P GLOBAL INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>78409V104</cusip>
  <value>15194844</value>
  <shrsOrPrnAmt>
    <sshPrnamt>41583</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>40963</Sole>
    <Shared>620</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>S &amp;amp;amp; P GLOBAL INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>78409V104</cusip>
  <value>2003908</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5484</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>5484</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>79466L302</cusip>
  <value>69148</value>
  <shrsOrPrnAmt>
    <sshPrnamt>341</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>341</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>79466L302</cusip>
  <value>574476</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2833</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2833</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>81762P102</cusip>
  <value>10123325</value>
  <shrsOrPrnAmt>
    <sshPrnamt>18111</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>18111</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>81762P102</cusip>
  <value>13552544</value>
  <shrsOrPrnAmt>
    <sshPrnamt>24246</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>24026</Sole>
    <Shared>220</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>81762P102</cusip>
  <value>1530432</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2738</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2738</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SHERWIN WILLIAMS CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>824348106</cusip>
  <value>2114109</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8289</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8289</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SHERWIN WILLIAMS CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>824348106</cusip>
  <value>5802132</value>
  <shrsOrPrnAmt>
    <sshPrnamt>22749</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>22749</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SHERWIN WILLIAMS CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>824348106</cusip>
  <value>2935881</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11511</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>11511</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>842587107</cusip>
  <value>6472</value>
  <shrsOrPrnAmt>
    <sshPrnamt>100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>842587107</cusip>
  <value>247554</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3825</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3825</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>842587107</cusip>
  <value>25888</value>
  <shrsOrPrnAmt>
    <sshPrnamt>400</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>400</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>855244109</cusip>
  <value>180167</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1974</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1974</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>855244109</cusip>
  <value>243235</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2665</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1965</Sole>
    <Shared>700</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>855244109</cusip>
  <value>100397</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STATE STREET CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>857477103</cusip>
  <value>127224</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1900</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1900</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STATE STREET CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>857477103</cusip>
  <value>390042</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5825</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>5225</Sole>
    <Shared>600</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STATE STREET CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>857477103</cusip>
  <value>51894</value>
  <shrsOrPrnAmt>
    <sshPrnamt>775</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>775</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STRYKER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>863667101</cusip>
  <value>831287</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3042</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3042</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STRYKER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>863667101</cusip>
  <value>2301480</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8422</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>8422</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>STRYKER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>863667101</cusip>
  <value>135542</value>
  <shrsOrPrnAmt>
    <sshPrnamt>496</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>496</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>74144T108</cusip>
  <value>50757</value>
  <shrsOrPrnAmt>
    <sshPrnamt>484</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>484</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>74144T108</cusip>
  <value>305381</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2912</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2912</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>74144T108</cusip>
  <value>68166</value>
  <shrsOrPrnAmt>
    <sshPrnamt>650</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>650</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TARGET CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>87612E106</cusip>
  <value>1162644</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10515</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>10515</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TARGET CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>87612E106</cusip>
  <value>3606241</value>
  <shrsOrPrnAmt>
    <sshPrnamt>32615</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>28415</Sole>
    <Shared>4200</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TARGET CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>87612E106</cusip>
  <value>320321</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2897</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2897</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>H84989104</cusip>
  <value>185295</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>H84989104</cusip>
  <value>358237</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2900</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2900</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TESLA INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>88160R101</cusip>
  <value>50294</value>
  <shrsOrPrnAmt>
    <sshPrnamt>201</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>201</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TESLA INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>88160R101</cusip>
  <value>2542736</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10162</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>10162</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TESLA INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>88160R101</cusip>
  <value>33780</value>
  <shrsOrPrnAmt>
    <sshPrnamt>135</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>135</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TEXAS INSTRUMENTS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>882508104</cusip>
  <value>2369249</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14900</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>14900</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TEXAS INSTRUMENTS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>882508104</cusip>
  <value>2512835</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15803</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>15803</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TEXAS INSTRUMENTS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>882508104</cusip>
  <value>107173</value>
  <shrsOrPrnAmt>
    <sshPrnamt>674</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>674</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TEXAS PACIFIC LAND CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>88262P102</cusip>
  <value>579892</value>
  <shrsOrPrnAmt>
    <sshPrnamt>318</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>318</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TEXAS PACIFIC LAND CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>88262P102</cusip>
  <value>3532236</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1937</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1937</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TEXAS PACIFIC LAND CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>88262P102</cusip>
  <value>51060</value>
  <shrsOrPrnAmt>
    <sshPrnamt>28</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>28</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>883556102</cusip>
  <value>10889741</value>
  <shrsOrPrnAmt>
    <sshPrnamt>21514</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>21514</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>883556102</cusip>
  <value>14231476</value>
  <shrsOrPrnAmt>
    <sshPrnamt>28116</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>27576</Sole>
    <Shared>540</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>883556102</cusip>
  <value>2014557</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3980</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>3980</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>THOMSON REUTERS CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>884903808</cusip>
  <value>252713</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2066</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2066</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>872540109</cusip>
  <value>614961</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6919</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>6919</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>872540109</cusip>
  <value>1070382</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12043</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>12043</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>872540109</cusip>
  <value>146208</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1645</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1645</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TRANSUNION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>89400J107</cusip>
  <value>6227136</value>
  <shrsOrPrnAmt>
    <sshPrnamt>86741</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>86741</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TRANSUNION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>89400J107</cusip>
  <value>9515406</value>
  <shrsOrPrnAmt>
    <sshPrnamt>132545</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>131120</Sole>
    <Shared>1425</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TRANSUNION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>89400J107</cusip>
  <value>1038083</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14460</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>14460</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TRAVELERS COMPANIES INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>89417E109</cusip>
  <value>83778</value>
  <shrsOrPrnAmt>
    <sshPrnamt>513</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>513</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TRAVELERS COMPANIES INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>89417E109</cusip>
  <value>359609</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2202</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1799</Sole>
    <Shared>403</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TRAVELERS COMPANIES INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>89417E109</cusip>
  <value>261296</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1600</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1600</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TRINITY INDS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>896522109</cusip>
  <value>94965</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3900</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3900</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>TRINITY INDS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>896522109</cusip>
  <value>182625</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>7500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>U.S. BANCORP COM (NEW)</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>902973304</cusip>
  <value>690590</value>
  <shrsOrPrnAmt>
    <sshPrnamt>20889</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>20889</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>U.S. BANCORP COM (NEW)</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>902973304</cusip>
  <value>1522182</value>
  <shrsOrPrnAmt>
    <sshPrnamt>46043</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>46043</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>U.S. BANCORP COM (NEW)</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>902973304</cusip>
  <value>380190</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>11500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>U.S. GLOBAL NANOSPACE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>91729J107</cusip>
  <value>10</value>
  <shrsOrPrnAmt>
    <sshPrnamt>107000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>107000</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ULTA SALON COSMETICS &amp; FRAGRAN</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>90384S303</cusip>
  <value>4982340</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12473</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>12473</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ULTA SALON COSMETICS &amp;amp; FRAGRAN</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>90384S303</cusip>
  <value>8407224</value>
  <shrsOrPrnAmt>
    <sshPrnamt>21047</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>20957</Sole>
    <Shared>90</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ULTA SALON COSMETICS &amp;amp;amp; FRAGRAN</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>90384S303</cusip>
  <value>1033777</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2588</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2588</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>907818108</cusip>
  <value>14417208</value>
  <shrsOrPrnAmt>
    <sshPrnamt>70801</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>70801</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>907818108</cusip>
  <value>34385369</value>
  <shrsOrPrnAmt>
    <sshPrnamt>168862</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>160512</Sole>
    <Shared>8350</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>907818108</cusip>
  <value>2695450</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13237</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>13237</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>911312106</cusip>
  <value>705623</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4527</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4527</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>911312106</cusip>
  <value>1717687</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11020</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>11020</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>911312106</cusip>
  <value>40059</value>
  <shrsOrPrnAmt>
    <sshPrnamt>257</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>257</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>91324P102</cusip>
  <value>21010606</value>
  <shrsOrPrnAmt>
    <sshPrnamt>41672</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>41672</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>91324P102</cusip>
  <value>30395094</value>
  <shrsOrPrnAmt>
    <sshPrnamt>60285</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>58835</Sole>
    <Shared>1450</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>91324P102</cusip>
  <value>3637731</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7215</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>7215</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VALMONT INDS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>920253101</cusip>
  <value>628630</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2617</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2617</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VERIZON COMMUNICATIONS COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92343V104</cusip>
  <value>265956</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8206</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8206</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VERIZON COMMUNICATIONS COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92343V104</cusip>
  <value>808176</value>
  <shrsOrPrnAmt>
    <sshPrnamt>24936</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>24936</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VERIZON COMMUNICATIONS COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92343V104</cusip>
  <value>42133</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1300</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1300</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VISA INC. CLASS A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92826C839</cusip>
  <value>19477937</value>
  <shrsOrPrnAmt>
    <sshPrnamt>84683</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>84683</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VISA INC. CLASS A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92826C839</cusip>
  <value>29561115</value>
  <shrsOrPrnAmt>
    <sshPrnamt>128521</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>117481</Sole>
    <Shared>11040</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VISA INC. CLASS A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92826C839</cusip>
  <value>2500209</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10870</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>10870</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>931427108</cusip>
  <value>317743</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14287</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>14287</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WALMART INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>931142103</cusip>
  <value>701133</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4384</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4384</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WALMART INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>931142103</cusip>
  <value>1557558</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9739</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>9739</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WALMART INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>931142103</cusip>
  <value>849068</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5309</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>5309</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>94106L109</cusip>
  <value>98934</value>
  <shrsOrPrnAmt>
    <sshPrnamt>649</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>649</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>94106L109</cusip>
  <value>15244</value>
  <shrsOrPrnAmt>
    <sshPrnamt>100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>94106L109</cusip>
  <value>106708</value>
  <shrsOrPrnAmt>
    <sshPrnamt>700</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>700</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92939U106</cusip>
  <value>16110</value>
  <shrsOrPrnAmt>
    <sshPrnamt>200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>200</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92939U106</cusip>
  <value>434970</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5400</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>5400</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92939U106</cusip>
  <value>32220</value>
  <shrsOrPrnAmt>
    <sshPrnamt>400</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>400</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WELLS FARGO &amp; CO DEL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>949746101</cusip>
  <value>135124</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3307</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3307</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WELLS FARGO &amp;amp; CO DEL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>949746101</cusip>
  <value>343306</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8402</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>8402</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WELLS FARGO &amp;amp;amp; CO DEL COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>949746101</cusip>
  <value>45150</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1105</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1105</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ZOETIS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>98978V103</cusip>
  <value>2306453</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13257</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>13257</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ZOETIS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>98978V103</cusip>
  <value>7348219</value>
  <shrsOrPrnAmt>
    <sshPrnamt>42236</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>41561</Sole>
    <Shared>675</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ZOETIS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>98978V103</cusip>
  <value>419118</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2409</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>2409</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ZURICH INSURANCE GROUP AG</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>H9870Y105</cusip>
  <value>2281605</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4970</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4970</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ARK FINTECH INNOVATION ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>00214Q708</cusip>
  <value>38100</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1968</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1968</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ARK FINTECH INNOVATION ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>00214Q708</cusip>
  <value>419609</value>
  <shrsOrPrnAmt>
    <sshPrnamt>21674</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>21674</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ARK GENOMIC REVOLUTION ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>00214Q302</cusip>
  <value>399485</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14339</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>14339</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FIRST TRUST MLP &amp; ENERGY INCOM</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33739B104</cusip>
  <value>2674015</value>
  <shrsOrPrnAmt>
    <sshPrnamt>338055</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>338055</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES MORNINGSTAR US MARK</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L100</cusip>
  <value>127539</value>
  <shrsOrPrnAmt>
    <sshPrnamt>783</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>783</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES MORNINGSTAR US MARK</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L100</cusip>
  <value>1582098</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9713</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>9713</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES MSTAR DEVELOPED MAR</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L803</cusip>
  <value>33527</value>
  <shrsOrPrnAmt>
    <sshPrnamt>536</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>536</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES MSTAR DEVELOPED MAR</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L803</cusip>
  <value>1029385</value>
  <shrsOrPrnAmt>
    <sshPrnamt>16457</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>16457</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES QUALITY DIVIDEND IN</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L860</cusip>
  <value>459348</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8235</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8235</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES QUALITY DIVIDEND IN</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L860</cusip>
  <value>7085510</value>
  <shrsOrPrnAmt>
    <sshPrnamt>127026</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>127026</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES QUALITY DIVIDEND IN</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L860</cusip>
  <value>50202</value>
  <shrsOrPrnAmt>
    <sshPrnamt>900</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>900</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46137V357</cusip>
  <value>824636</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5820</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>5820</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE MSCI EMERGING MKT</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46434G103</cusip>
  <value>100225</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2106</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2106</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE MSCI EMERGING MKT</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46434G103</cusip>
  <value>1601546</value>
  <shrsOrPrnAmt>
    <sshPrnamt>33653</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>33653</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287200</cusip>
  <value>9152442</value>
  <shrsOrPrnAmt>
    <sshPrnamt>21313</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>21313</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;amp;P 500 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287200</cusip>
  <value>13734460</value>
  <shrsOrPrnAmt>
    <sshPrnamt>31983</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>31983</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;amp;amp;P 500 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287200</cusip>
  <value>11189228</value>
  <shrsOrPrnAmt>
    <sshPrnamt>26056</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>26056</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;P MID CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287507</cusip>
  <value>43065903</value>
  <shrsOrPrnAmt>
    <sshPrnamt>172713</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>172713</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;amp;P MID CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287507</cusip>
  <value>69635226</value>
  <shrsOrPrnAmt>
    <sshPrnamt>279267</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>276760</Sole>
    <Shared>2507</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;amp;amp;P MID CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287507</cusip>
  <value>16404986</value>
  <shrsOrPrnAmt>
    <sshPrnamt>65791</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>65791</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;P SMALL CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287804</cusip>
  <value>27217119</value>
  <shrsOrPrnAmt>
    <sshPrnamt>288531</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>288531</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;amp;P SMALL CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287804</cusip>
  <value>51331933</value>
  <shrsOrPrnAmt>
    <sshPrnamt>544174</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>538438</Sole>
    <Shared>5736</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE S&amp;amp;amp;P SMALL CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287804</cusip>
  <value>10038316</value>
  <shrsOrPrnAmt>
    <sshPrnamt>106417</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>106417</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES EDGE MSCI USA QUALITY </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46432F339</cusip>
  <value>263712</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2001</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2001</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES EDGE MSCI USA QUALITY </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46432F339</cusip>
  <value>4441323</value>
  <shrsOrPrnAmt>
    <sshPrnamt>33700</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>33700</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES MORTGAGE REAL ESTATE E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46435G342</cusip>
  <value>669686</value>
  <shrsOrPrnAmt>
    <sshPrnamt>29977</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>29977</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES MSCI EMERGING MKTS ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287234</cusip>
  <value>544772</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14355</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>14355</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES MSCI EMERGING MKTS ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287234</cusip>
  <value>3348063</value>
  <shrsOrPrnAmt>
    <sshPrnamt>88223</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>88223</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287614</cusip>
  <value>24495535</value>
  <shrsOrPrnAmt>
    <sshPrnamt>92092</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>92092</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287614</cusip>
  <value>9119999</value>
  <shrsOrPrnAmt>
    <sshPrnamt>34287</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>34079</Sole>
    <Shared>208</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287614</cusip>
  <value>13383287</value>
  <shrsOrPrnAmt>
    <sshPrnamt>50315</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>50315</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287598</cusip>
  <value>15524995</value>
  <shrsOrPrnAmt>
    <sshPrnamt>102259</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>102259</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287598</cusip>
  <value>12389423</value>
  <shrsOrPrnAmt>
    <sshPrnamt>81606</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>81266</Sole>
    <Shared>340</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287598</cusip>
  <value>11862152</value>
  <shrsOrPrnAmt>
    <sshPrnamt>78133</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>78133</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287630</cusip>
  <value>4067</value>
  <shrsOrPrnAmt>
    <sshPrnamt>30</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>30</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287630</cusip>
  <value>1531851</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11301</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>11301</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287630</cusip>
  <value>990193</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7305</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>7305</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL MID CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287499</cusip>
  <value>993945</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14353</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>14353</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL MID CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287499</cusip>
  <value>1965523</value>
  <shrsOrPrnAmt>
    <sshPrnamt>28383</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>27939</Sole>
    <Shared>444</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL MID CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287499</cusip>
  <value>313910</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4533</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>4533</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL MID CAP VALUE </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287473</cusip>
  <value>7567572</value>
  <shrsOrPrnAmt>
    <sshPrnamt>72528</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>72528</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL MID CAP VALUE </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287473</cusip>
  <value>1664432</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15952</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>15952</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;P 500 GROWTH INDEX F</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287309</cusip>
  <value>239470</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3500</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3500</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;amp;P 500 GROWTH INDEX F</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287309</cusip>
  <value>825829</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12070</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>12070</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;P 500 VALUE INDEX FU</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287408</cusip>
  <value>199992</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1300</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1300</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;amp;P 500 VALUE INDEX FU</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287408</cusip>
  <value>730740</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4750</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>4750</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;P MID CAP 400 GROWTH</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287606</cusip>
  <value>34097</value>
  <shrsOrPrnAmt>
    <sshPrnamt>472</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>472</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;amp;P MID CAP 400 GROWTH</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287606</cusip>
  <value>329703</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4564</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>4564</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;P MID CAP VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287705</cusip>
  <value>281494</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2789</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2789</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;P SMALL CAP 600 GROW</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287887</cusip>
  <value>38388</value>
  <shrsOrPrnAmt>
    <sshPrnamt>350</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>350</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;amp;P SMALL CAP 600 GROW</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287887</cusip>
  <value>232960</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2124</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2124</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;P SMALL CAP 600 VALU</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287879</cusip>
  <value>605447</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6786</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>6786</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;amp;P SMALL CAP 600 VALU</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287879</cusip>
  <value>1073673</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12034</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>12034</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;amp;amp;P SMALL CAP 600 VALU</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287879</cusip>
  <value>110097</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1234</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>1234</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SCHWAB US LARGE CAP VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>808524409</cusip>
  <value>343572</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5330</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5330</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR S&amp;P 500 SER 1 ETF TR</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78462F103</cusip>
  <value>59847</value>
  <shrsOrPrnAmt>
    <sshPrnamt>140</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>140</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR S&amp;amp;P 500 SER 1 ETF TR</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78462F103</cusip>
  <value>329587</value>
  <shrsOrPrnAmt>
    <sshPrnamt>771</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>771</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANECK BDC INCOME ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>92189F411</cusip>
  <value>715964</value>
  <shrsOrPrnAmt>
    <sshPrnamt>44664</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>44664</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX-US </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922042775</cusip>
  <value>13164658</value>
  <shrsOrPrnAmt>
    <sshPrnamt>253801</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>253801</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX-US </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922042775</cusip>
  <value>17206939</value>
  <shrsOrPrnAmt>
    <sshPrnamt>331732</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>327375</Sole>
    <Shared>4357</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX-US </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922042775</cusip>
  <value>4231295</value>
  <shrsOrPrnAmt>
    <sshPrnamt>81575</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>81575</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921943858</cusip>
  <value>8438266</value>
  <shrsOrPrnAmt>
    <sshPrnamt>193007</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>193007</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921943858</cusip>
  <value>43503411</value>
  <shrsOrPrnAmt>
    <sshPrnamt>995046</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>994246</Sole>
    <Shared>800</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921943858</cusip>
  <value>42089681</value>
  <shrsOrPrnAmt>
    <sshPrnamt>962710</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>962710</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922042858</cusip>
  <value>19518346</value>
  <shrsOrPrnAmt>
    <sshPrnamt>497790</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>497790</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922042858</cusip>
  <value>41254135</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1052133</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1049128</Sole>
    <Shared>3005</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922042858</cusip>
  <value>37915247</value>
  <shrsOrPrnAmt>
    <sshPrnamt>966979</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>966979</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908736</cusip>
  <value>58274</value>
  <shrsOrPrnAmt>
    <sshPrnamt>214</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>214</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908736</cusip>
  <value>167743</value>
  <shrsOrPrnAmt>
    <sshPrnamt>616</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>616</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID-CAP INDEX FUND -E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908629</cusip>
  <value>20824</value>
  <shrsOrPrnAmt>
    <sshPrnamt>100</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>100</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID-CAP INDEX FUND -E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908629</cusip>
  <value>2448694</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11759</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>11759</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908553</cusip>
  <value>912157</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12056</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>12056</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908553</cusip>
  <value>135507</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1791</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1791</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908363</cusip>
  <value>729637</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1858</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1858</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD SMALL CAP INDEX FUND </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908751</cusip>
  <value>60881</value>
  <shrsOrPrnAmt>
    <sshPrnamt>322</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>322</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD SMALL CAP INDEX FUND </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908751</cusip>
  <value>2317053</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12255</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>12255</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ENERGY TRANSFER LP</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>29273V100</cusip>
  <value>1196198</value>
  <shrsOrPrnAmt>
    <sshPrnamt>85260</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>85260</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>293792107</cusip>
  <value>494001</value>
  <shrsOrPrnAmt>
    <sshPrnamt>18049</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>18049</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>293792107</cusip>
  <value>1174064</value>
  <shrsOrPrnAmt>
    <sshPrnamt>42896</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>42896</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>726503105</cusip>
  <value>1192831</value>
  <shrsOrPrnAmt>
    <sshPrnamt>77861</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>77861</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BRIDGES INVESTMENT FUND INC</nameOfIssuer>
  <titleOfClass>MFU</titleOfClass>
  <cusip>74316P652</cusip>
  <value>39356760</value>
  <shrsOrPrnAmt>
    <sshPrnamt>453837</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>453837</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BRIDGES INVESTMENT FUND INC</nameOfIssuer>
  <titleOfClass>MFU</titleOfClass>
  <cusip>74316P652</cusip>
  <value>57090542</value>
  <shrsOrPrnAmt>
    <sshPrnamt>658332</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>530356</Sole>
    <Shared>127976</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BRIDGES INVESTMENT FUND INC</nameOfIssuer>
  <titleOfClass>MFU</titleOfClass>
  <cusip>74316P652</cusip>
  <value>2815866</value>
  <shrsOrPrnAmt>
    <sshPrnamt>32471</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>32471</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERICAN TOWER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03027X100</cusip>
  <value>4117499</value>
  <shrsOrPrnAmt>
    <sshPrnamt>25038</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>25038</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERICAN TOWER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03027X100</cusip>
  <value>7471292</value>
  <shrsOrPrnAmt>
    <sshPrnamt>45432</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>44472</Sole>
    <Shared>960</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERICAN TOWER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03027X100</cusip>
  <value>739203</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4495</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>4495</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROLOGIS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>74340W103</cusip>
  <value>427408</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3809</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3809</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROLOGIS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>74340W103</cusip>
  <value>977461</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8711</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>8711</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PROLOGIS INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>74340W103</cusip>
  <value>29175</value>
  <shrsOrPrnAmt>
    <sshPrnamt>260</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>260</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
  <titleOfClass>ADR</titleOfClass>
  <cusip>055622104</cusip>
  <value>74923</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1935</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1935</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
  <titleOfClass>ADR</titleOfClass>
  <cusip>055622104</cusip>
  <value>253732</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6553</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>6553</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ING GROEP NV ADR</nameOfIssuer>
  <titleOfClass>ADR</titleOfClass>
  <cusip>456837103</cusip>
  <value>6881212</value>
  <shrsOrPrnAmt>
    <sshPrnamt>522095</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>522095</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SHELL PLC SPON ADS</nameOfIssuer>
  <titleOfClass>ADR</titleOfClass>
  <cusip>780259305</cusip>
  <value>141636</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2200</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SHELL PLC SPON ADS</nameOfIssuer>
  <titleOfClass>ADR</titleOfClass>
  <cusip>780259305</cusip>
  <value>195458</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3036</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3036</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
</informationTable>
