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	<infoTable>
		<nameOfIssuer>AFLAC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>001055102</cusip>
		<value>1538</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26457</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25177</Sole>
			<Shared>0</Shared>
			<None>1280</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AFLAC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>001055102</cusip>
		<value>1066</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18334</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>17305</Sole>
			<Shared>960</Shared>
			<None>69</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AGCO CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>001084102</cusip>
		<value>246</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4897</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26</Sole>
			<Shared>0</Shared>
			<None>4871</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AGCO CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>001084102</cusip>
		<value>37</value>
		<shrsOrPrnAmt>
			<sshPrnamt>742</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>742</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>00162Q866</cusip>
		<value>429</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24018</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24018</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>00162Q866</cusip>
		<value>488</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27331</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>27331</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>6440</value>
		<shrsOrPrnAmt>
			<sshPrnamt>181927</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>127717</Sole>
			<Shared>0</Shared>
			<None>54210</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>83</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2336</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1710</Sole>
			<Shared>0</Shared>
			<None>626</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>2716</value>
		<shrsOrPrnAmt>
			<sshPrnamt>76734</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>51136</Sole>
			<Shared>6565</Shared>
			<None>19033</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>2134</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61194</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50922</Sole>
			<Shared>0</Shared>
			<None>10272</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>626</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17945</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13156</Sole>
			<Shared>1857</Shared>
			<None>2932</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>2903</value>
		<shrsOrPrnAmt>
			<sshPrnamt>70213</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>54002</Sole>
			<Shared>0</Shared>
			<None>16211</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>928</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22437</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16073</Sole>
			<Shared>2163</Shared>
			<None>4201</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABERDEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>003009107</cusip>
		<value>325</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52495</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48495</Sole>
			<Shared>0</Shared>
			<None>4000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABERDEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>003009107</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVENT CLAYMORE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>00765E104</cusip>
		<value>88</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9008</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9008</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ADVENT CLAYMORE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>00765E104</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1733</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1733</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AETNA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00817Y108</cusip>
		<value>201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3158</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1460</Sole>
			<Shared>0</Shared>
			<None>1698</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AETNA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00817Y108</cusip>
		<value>45</value>
		<shrsOrPrnAmt>
			<sshPrnamt>702</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>702</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AETNA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00817Y108</cusip>
		<value>56</value>
		<shrsOrPrnAmt>
			<sshPrnamt>882</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>882</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AFFILIATED MANAGERS GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>008252108</cusip>
		<value>458</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2795</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>170</Sole>
			<Shared>0</Shared>
			<None>2625</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AFFILIATED MANAGERS GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>008252108</cusip>
		<value>38</value>
		<shrsOrPrnAmt>
			<sshPrnamt>229</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>39</Shared>
			<None>190</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>009158106</cusip>
		<value>115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1261</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>666</Sole>
			<Shared>0</Shared>
			<None>595</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>009158106</cusip>
		<value>85</value>
		<shrsOrPrnAmt>
			<sshPrnamt>930</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>740</Sole>
			<Shared>0</Shared>
			<None>190</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALASKA COMMUNICATIONS SYSTEMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>01167P101</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALCOA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>013817101</cusip>
		<value>201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25706</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25426</Sole>
			<Shared>0</Shared>
			<None>280</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALCOA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>013817101</cusip>
		<value>6</value>
		<shrsOrPrnAmt>
			<sshPrnamt>800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALCATEL - LUCENT</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>013904305</cusip>
		<value>37</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20567</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20538</Sole>
			<Shared>0</Shared>
			<None>29</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLERGAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>018490102</cusip>
		<value>641</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7611</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6131</Sole>
			<Shared>0</Shared>
			<None>1480</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLERGAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>018490102</cusip>
		<value>101</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1201</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1051</Sole>
			<Shared>110</Shared>
			<None>40</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANCE DATA SYSTEMS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>018581108</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1467</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>42</Sole>
			<Shared>0</Shared>
			<None>1425</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANCE DATA SYSTEMS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>018581108</cusip>
		<value>19</value>
		<shrsOrPrnAmt>
			<sshPrnamt>103</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>52</Sole>
			<Shared>51</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANCE WORLD DOLLAR GOVERNMENT</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>01879R106</cusip>
		<value>59</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3935</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3623</Sole>
			<Shared>0</Shared>
			<None>312</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANCE WORLD DOLLAR GOVERNMENT</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>01879R106</cusip>
		<value>161</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10690</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10690</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANT TECHSYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>018804104</cusip>
		<value>122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1481</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1481</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANT TECHSYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>018804104</cusip>
		<value>87</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1056</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1056</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANCE BERNSTEIN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>01881E101</cusip>
		<value>106</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12725</Sole>
			<Shared>0</Shared>
			<None>1500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLIANCE BERNSTEIN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>01881E101</cusip>
		<value>34</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4550</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLSTATE CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>020002101</cusip>
		<value>419</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8705</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6032</Sole>
			<Shared>0</Shared>
			<None>2673</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLSTATE CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>020002101</cusip>
		<value>147</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3053</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1500</Sole>
			<Shared>129</Shared>
			<None>1424</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>1970</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56303</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>38504</Sole>
			<Shared>0</Shared>
			<None>17799</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>21</value>
		<shrsOrPrnAmt>
			<sshPrnamt>600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>947</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27052</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>17468</Sole>
			<Shared>1947</Shared>
			<None>7637</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMAZON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>351</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1263</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>195</Sole>
			<Shared>0</Shared>
			<None>1068</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMAZON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>823</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2965</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2921</Sole>
			<Shared>0</Shared>
			<None>44</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMEREN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023608102</cusip>
		<value>119</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3469</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1379</Sole>
			<Shared>0</Shared>
			<None>2090</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMEREN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023608102</cusip>
		<value>84</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1866</Sole>
			<Shared>113</Shared>
			<None>471</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN CAMPUS COMMUNITIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>024835100</cusip>
		<value>543</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>200</Sole>
			<Shared>0</Shared>
			<None>13165</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN CAMPUS COMMUNITIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>024835100</cusip>
		<value>225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5530</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>113</Sole>
			<Shared>191</Shared>
			<None>5226</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025537101</cusip>
		<value>680</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15189</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10336</Sole>
			<Shared>0</Shared>
			<None>4853</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025537101</cusip>
		<value>355</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7923</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3894</Sole>
			<Shared>1815</Shared>
			<None>2214</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025816109</cusip>
		<value>2068</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27661</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21462</Sole>
			<Shared>0</Shared>
			<None>6199</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025816109</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>356</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>356</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>025816109</cusip>
		<value>420</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5622</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5387</Sole>
			<Shared>0</Shared>
			<None>235</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>269</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3676</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>779</Sole>
			<Shared>0</Shared>
			<None>2897</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03027X100</cusip>
		<value>47</value>
		<shrsOrPrnAmt>
			<sshPrnamt>648</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>82</Sole>
			<Shared>85</Shared>
			<None>481</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERISOURCEBERGEN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03073E105</cusip>
		<value>198</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3546</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2746</Sole>
			<Shared>0</Shared>
			<None>800</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERISOURCEBERGEN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>03073E105</cusip>
		<value>55</value>
		<shrsOrPrnAmt>
			<sshPrnamt>982</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>900</Sole>
			<Shared>0</Shared>
			<None>82</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>639</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6473</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2521</Sole>
			<Shared>0</Shared>
			<None>3952</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>216</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2187</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>672</Sole>
			<Shared>605</Shared>
			<None>910</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032511107</cusip>
		<value>1849</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21523</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17806</Sole>
			<Shared>0</Shared>
			<None>3717</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANADARKO PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032511107</cusip>
		<value>431</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5016</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4442</Sole>
			<Shared>509</Shared>
			<None>65</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032654105</cusip>
		<value>281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6246</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5063</Sole>
			<Shared>0</Shared>
			<None>1183</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>032654105</cusip>
		<value>115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2547</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1400</Sole>
			<Shared>0</Shared>
			<None>1147</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANHEUSER BUSCH INBEV </nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>03524A108</cusip>
		<value>462</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5114</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>871</Sole>
			<Shared>0</Shared>
			<None>4243</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANHEUSER BUSCH INBEV </nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>03524A108</cusip>
		<value>163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1803</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1465</Sole>
			<Shared>160</Shared>
			<None>178</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANNALY CAPITAL MANAGEMENT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>035710409</cusip>
		<value>147</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11663</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11247</Sole>
			<Shared>0</Shared>
			<None>416</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANNALY CAPITAL MANAGEMENT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>035710409</cusip>
		<value>190</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15135</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15135</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APACHE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037411105</cusip>
		<value>591</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7048</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5482</Sole>
			<Shared>0</Shared>
			<None>1566</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APACHE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037411105</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>501</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>201</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE COMPUTER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>7017</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17697</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12187</Sole>
			<Shared>0</Shared>
			<None>5510</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE COMPUTER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>51</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>51</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE COMPUTER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>1410</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3556</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1931</Sole>
			<Shared>142</Shared>
			<None>1483</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>3130</value>
		<shrsOrPrnAmt>
			<sshPrnamt>209811</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>120815</Sole>
			<Shared>0</Shared>
			<None>88996</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>38</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2564</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2564</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>038222105</cusip>
		<value>609</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40849</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1130</Sole>
			<Shared>1509</Shared>
			<None>38210</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARMOUR RESIDENTIAL REIT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>042315101</cusip>
		<value>119</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25355</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>25355</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASHLAND INC NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>044209104</cusip>
		<value>32</value>
		<shrsOrPrnAmt>
			<sshPrnamt>380</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
			<Shared>0</Shared>
			<None>80</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASHLAND INC NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>044209104</cusip>
		<value>539</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6456</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>6456</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASTRAZENECA PLC (UNITED KINGDOM)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>046353108</cusip>
		<value>586</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12392</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2178</Sole>
			<Shared>0</Shared>
			<None>10214</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ASTRAZENECA PLC (UNITED KINGDOM)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>046353108</cusip>
		<value>224</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4735</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>154</Shared>
			<None>4581</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053015103</cusip>
		<value>3743</value>
		<shrsOrPrnAmt>
			<sshPrnamt>54354</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46411</Sole>
			<Shared>0</Shared>
			<None>7943</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053015103</cusip>
		<value>1157</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16798</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14250</Sole>
			<Shared>1769</Shared>
			<None>779</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BB&amp;T CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>054937107</cusip>
		<value>569</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16789</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13778</Sole>
			<Shared>0</Shared>
			<None>3011</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BB&amp;T CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>054937107</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6130</Sole>
			<Shared>0</Shared>
			<None>98</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BCE INC (CANADA)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>05534B760</cusip>
		<value>379</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9240</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1743</Sole>
			<Shared>0</Shared>
			<None>7497</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BCE INC (CANADA)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>05534B760</cusip>
		<value>164</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3993</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>213</Shared>
			<None>2780</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BGC PARTNERS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05541T101</cusip>
		<value>18</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3020</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3020</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BGC PARTNERS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>05541T101</cusip>
		<value>222</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37630</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>37630</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>055622104</cusip>
		<value>1083</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25935</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17067</Sole>
			<Shared>0</Shared>
			<None>8868</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>055622104</cusip>
		<value>318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7618</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3211</Sole>
			<Shared>400</Shared>
			<None>4007</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTARIA</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>05946K101</cusip>
		<value>208</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24781</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24781</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTARIA</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>05946K101</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>60</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>995</value>
		<shrsOrPrnAmt>
			<sshPrnamt>77338</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59511</Sole>
			<Shared>0</Shared>
			<None>17827</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF AMERICA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>060505104</cusip>
		<value>237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18451</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15390</Sole>
			<Shared>2600</Shared>
			<None>461</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF NEW YORK MELLON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>064058100</cusip>
		<value>345</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12291</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7857</Sole>
			<Shared>0</Shared>
			<None>4434</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK OF NEW YORK MELLON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>064058100</cusip>
		<value>41</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1461</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1461</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BAXTER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>071813109</cusip>
		<value>756</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10915</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8167</Sole>
			<Shared>0</Shared>
			<None>2748</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BAXTER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>071813109</cusip>
		<value>183</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2640</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2530</Sole>
			<Shared>0</Shared>
			<None>110</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BEAM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>073730103</cusip>
		<value>219</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3476</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2544</Sole>
			<Shared>0</Shared>
			<None>932</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BEAM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>073730103</cusip>
		<value>19</value>
		<shrsOrPrnAmt>
			<sshPrnamt>300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>300</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>075887109</cusip>
		<value>456</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4612</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1449</Sole>
			<Shared>0</Shared>
			<None>3163</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>075887109</cusip>
		<value>79</value>
		<shrsOrPrnAmt>
			<sshPrnamt>802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>176</Sole>
			<Shared>0</Shared>
			<None>626</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670108</cusip>
		<value>337</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1</Sole>
			<Shared>0</Shared>
			<None>1</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670108</cusip>
		<value>506</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>966</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8629</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6852</Sole>
			<Shared>0</Shared>
			<None>1777</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>592</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5289</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4225</Sole>
			<Shared>950</Shared>
			<None>114</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOGEN IDEC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09062X103</cusip>
		<value>456</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2118</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>578</Sole>
			<Shared>0</Shared>
			<None>1540</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOGEN IDEC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09062X103</cusip>
		<value>78</value>
		<shrsOrPrnAmt>
			<sshPrnamt>361</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>185</Sole>
			<Shared>141</Shared>
			<None>35</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOMED REALTY TRUST</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09063H107</cusip>
		<value>201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9927</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5924</Sole>
			<Shared>0</Shared>
			<None>4003</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOMED REALTY TRUST</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09063H107</cusip>
		<value>82</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4061</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3180</Sole>
			<Shared>0</Shared>
			<None>881</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09247X101</cusip>
		<value>2210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7107</Sole>
			<Shared>0</Shared>
			<None>1498</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09247X101</cusip>
		<value>524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2039</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1595</Sole>
			<Shared>60</Shared>
			<None>384</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK GLOBAL ENERGY &amp; RES TR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09250U101</cusip>
		<value>312</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12470</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12470</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK GLOBAL ENERGY &amp; RES TR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09250U101</cusip>
		<value>67</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2660</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2660</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09251A104</cusip>
		<value>343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45111</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>45111</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09251A104</cusip>
		<value>156</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20557</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>18512</Sole>
			<Shared>2045</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09253Y100</cusip>
		<value>37</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3195</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09253Y100</cusip>
		<value>100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8710</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8710</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254B109</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254B109</cusip>
		<value>86</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9875</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9875</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254F100</cusip>
		<value>127</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8195</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254F100</cusip>
		<value>110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7135</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7135</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254G108</cusip>
		<value>7</value>
		<shrsOrPrnAmt>
			<sshPrnamt>507</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>507</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254G108</cusip>
		<value>135</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7955</Sole>
			<Shared>0</Shared>
			<None>2500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254P108</cusip>
		<value>99</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254P108</cusip>
		<value>43</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>1000</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254T100</cusip>
		<value>126</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9459</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9459</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09254T100</cusip>
		<value>65</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4920</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4920</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09255N102</cusip>
		<value>184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15014</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>14014</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>09255N102</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOEING CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>753</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7347</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5140</Sole>
			<Shared>0</Shared>
			<None>2207</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>470</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4586</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4499</Sole>
			<Shared>0</Shared>
			<None>87</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL MYERS SQUIBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>2212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49501</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35989</Sole>
			<Shared>0</Shared>
			<None>13512</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL MYERS SQUIBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>1050</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23490</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>18863</Sole>
			<Shared>1287</Shared>
			<None>3340</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM CORP CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>111320107</cusip>
		<value>182</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5390</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2686</Sole>
			<Shared>0</Shared>
			<None>2704</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM CORP CLASS A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>111320107</cusip>
		<value>53</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1574</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>848</Sole>
			<Shared>668</Shared>
			<None>58</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11133T103</cusip>
		<value>193</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7250</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>11133T103</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>125</Sole>
			<Shared>0</Shared>
			<None>1240</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CBS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>124857202</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4308</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1940</Sole>
			<Shared>0</Shared>
			<None>2368</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CBS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>124857202</cusip>
		<value>61</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1239</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>288</Sole>
			<Shared>0</Shared>
			<None>951</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CBRE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>12504G100</cusip>
		<value>119</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13215</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13215</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CIGNA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125509109</cusip>
		<value>151</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2089</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>264</Sole>
			<Shared>0</Shared>
			<None>1825</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CIGNA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125509109</cusip>
		<value>63</value>
		<shrsOrPrnAmt>
			<sshPrnamt>872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>117</Shared>
			<None>755</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CME GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
		<value>571</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7518</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3067</Sole>
			<Shared>0</Shared>
			<None>4451</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CME GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12572Q105</cusip>
		<value>206</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2706</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1315</Sole>
			<Shared>85</Shared>
			<None>1306</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>C M S ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125896100</cusip>
		<value>189</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6962</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1020</Sole>
			<Shared>0</Shared>
			<None>5942</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>C M S ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>125896100</cusip>
		<value>21</value>
		<shrsOrPrnAmt>
			<sshPrnamt>789</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>153</Shared>
			<None>636</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126408103</cusip>
		<value>429</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14939</Sole>
			<Shared>0</Shared>
			<None>3570</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126408103</cusip>
		<value>43</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1867</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1500</Sole>
			<Shared>300</Shared>
			<None>67</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS CAREMARK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>3026</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52917</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43255</Sole>
			<Shared>0</Shared>
			<None>9662</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS CAREMARK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>605</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10584</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5580</Sole>
			<Shared>2843</Shared>
			<None>2161</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12673P105</cusip>
		<value>148</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5156</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>313</Sole>
			<Shared>0</Shared>
			<None>4843</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>12673P105</cusip>
		<value>63</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2184</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2184</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CALAMOS STRATEGIC TOTAL RETURN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>128125101</cusip>
		<value>111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10919</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10919</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CALAMOS STRATEGIC TOTAL RETURN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>128125101</cusip>
		<value>48</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4700</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14040H105</cusip>
		<value>1198</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19073</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>297</Sole>
			<Shared>0</Shared>
			<None>18776</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14040H105</cusip>
		<value>34</value>
		<shrsOrPrnAmt>
			<sshPrnamt>548</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>548</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>14040H105</cusip>
		<value>812</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12935</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3475</Sole>
			<Shared>563</Shared>
			<None>8897</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>713</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8646</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6741</Sole>
			<Shared>0</Shared>
			<None>1905</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>542</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6569</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4518</Sole>
			<Shared>1765</Shared>
			<None>286</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CELGENE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>151020104</cusip>
		<value>811</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6937</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3921</Sole>
			<Shared>0</Shared>
			<None>3016</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CELGENE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>151020104</cusip>
		<value>135</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1155</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>912</Sole>
			<Shared>210</Shared>
			<None>33</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>15135B101</cusip>
		<value>236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>15135B101</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>695</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>695</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>156700106</cusip>
		<value>1213</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34311</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11402</Sole>
			<Shared>0</Shared>
			<None>22909</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>156700106</cusip>
		<value>30</value>
		<shrsOrPrnAmt>
			<sshPrnamt>846</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>846</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTURYLINK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>156700106</cusip>
		<value>622</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17591</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5613</Sole>
			<Shared>1371</Shared>
			<None>10607</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>7849</value>
		<shrsOrPrnAmt>
			<sshPrnamt>66323</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>44711</Sole>
			<Shared>0</Shared>
			<None>21612</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>3819</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32269</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>23030</Sole>
			<Shared>2050</Shared>
			<None>7189</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHICAGO BRIDGE &amp; IRON CO N V N Y</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>167250109</cusip>
		<value>248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>361</Sole>
			<Shared>0</Shared>
			<None>3804</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHICAGO BRIDGE &amp; IRON CO N V N Y</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>167250109</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>580</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>580</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHIMERA INVESTMENT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16934Q109</cusip>
		<value>103</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34185</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>34185</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHINA MOBILE HONG KONG LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>16941M109</cusip>
		<value>255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4926</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>539</Sole>
			<Shared>0</Shared>
			<None>4387</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHINA MOBILE HONG KONG LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>16941M109</cusip>
		<value>13</value>
		<shrsOrPrnAmt>
			<sshPrnamt>256</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>256</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>171232101</cusip>
		<value>3875</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45774</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41649</Sole>
			<Shared>0</Shared>
			<None>4125</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>171232101</cusip>
		<value>139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1644</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1445</Sole>
			<Shared>0</Shared>
			<None>199</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>1545</value>
		<shrsOrPrnAmt>
			<sshPrnamt>63502</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>44104</Sole>
			<Shared>0</Shared>
			<None>19398</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>374</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15363</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10066</Sole>
			<Shared>1735</Shared>
			<None>3562</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>578</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12045</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2470</Sole>
			<Shared>0</Shared>
			<None>9575</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>43</value>
		<shrsOrPrnAmt>
			<sshPrnamt>906</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>906</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP </nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>276</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>631</Sole>
			<Shared>689</Shared>
			<None>4430</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CLOUGH</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>18914C100</cusip>
		<value>30</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CLOUGH</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>18914C100</cusip>
		<value>184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12280</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12280</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COACH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>189754104</cusip>
		<value>129</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2253</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>335</Sole>
			<Shared>0</Shared>
			<None>1918</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COACH INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>189754104</cusip>
		<value>102</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1790</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>952</Sole>
			<Shared>0</Shared>
			<None>838</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>11400</value>
		<shrsOrPrnAmt>
			<sshPrnamt>284214</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>252615</Sole>
			<Shared>0</Shared>
			<None>31599</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>4702</value>
		<shrsOrPrnAmt>
			<sshPrnamt>117235</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>95524</Sole>
			<Shared>8918</Shared>
			<None>12793</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COHEN &amp; STEERS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>19247L106</cusip>
		<value>455</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40477</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39869</Sole>
			<Shared>0</Shared>
			<None>608</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COHEN &amp; STEERS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>19247L106</cusip>
		<value>34</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COHEN &amp; STEERS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>19248A109</cusip>
		<value>177</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9380</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9130</Sole>
			<Shared>0</Shared>
			<None>250</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COHEN &amp; STEERS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>19248A109</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>250</Sole>
			<Shared>1000</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>194162103</cusip>
		<value>909</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15870</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14360</Sole>
			<Shared>0</Shared>
			<None>1510</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>194162103</cusip>
		<value>419</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7320</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COLUMBIA SPORTSWEAR CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>198516106</cusip>
		<value>199</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3184</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3184</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COLUMBIA SPORTSWEAR CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>198516106</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>410</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>410</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>635</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15219</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12252</Sole>
			<Shared>0</Shared>
			<None>2967</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>123</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2949</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2333</Sole>
			<Shared>185</Shared>
			<None>431</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N200</cusip>
		<value>634</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15989</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6195</Sole>
			<Shared>0</Shared>
			<None>9794</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N200</cusip>
		<value>121</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3042</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>175</Sole>
			<Shared>1821</Shared>
			<None>1046</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONAGRA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>205887102</cusip>
		<value>631</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18060</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17435</Sole>
			<Shared>0</Shared>
			<None>625</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONAGRA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>205887102</cusip>
		<value>239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6855</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6855</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>3182</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52598</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21954</Sole>
			<Shared>0</Shared>
			<None>30644</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>336</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>336</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>975</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16122</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4889</Sole>
			<Shared>482</Shared>
			<None>10751</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSOLIDATED EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>209115104</cusip>
		<value>1565</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26836</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24066</Sole>
			<Shared>0</Shared>
			<None>2770</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONSOLIDATED EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>209115104</cusip>
		<value>118</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2028</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1423</Sole>
			<Shared>505</Shared>
			<None>100</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORNING INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>219350105</cusip>
		<value>125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8787</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1005</Sole>
			<Shared>0</Shared>
			<None>7782</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORNING INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>219350105</cusip>
		<value>99</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6952</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>3952</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>453</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2577</Sole>
			<Shared>0</Shared>
			<None>1523</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>22160K105</cusip>
		<value>85</value>
		<shrsOrPrnAmt>
			<sshPrnamt>771</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>518</Sole>
			<Shared>200</Shared>
			<None>53</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CREE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>225447101</cusip>
		<value>265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4158</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2125</Sole>
			<Shared>0</Shared>
			<None>2033</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CREE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>225447101</cusip>
		<value>23</value>
		<shrsOrPrnAmt>
			<sshPrnamt>355</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>55</Sole>
			<Shared>300</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CROWN CASTLE INTL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>228227104</cusip>
		<value>277</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3821</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>860</Sole>
			<Shared>0</Shared>
			<None>2961</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CUMMINS ENGINE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>231021106</cusip>
		<value>300</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2017</Sole>
			<Shared>0</Shared>
			<None>748</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CUMMINS ENGINE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>231021106</cusip>
		<value>111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1021</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>21</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CUSHING MLP</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>231631102</cusip>
		<value>33</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4075</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CUSHING MLP</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>231631102</cusip>
		<value>408</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50780</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>50780</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DTE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>233331107</cusip>
		<value>140</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2085</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2035</Sole>
			<Shared>0</Shared>
			<None>50</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DTE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>233331107</cusip>
		<value>71</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1065</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1065</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DWS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>23338M106</cusip>
		<value>238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18411</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18411</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DANAHER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>235851102</cusip>
		<value>433</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6847</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4450</Sole>
			<Shared>0</Shared>
			<None>2397</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DANAHER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>235851102</cusip>
		<value>50</value>
		<shrsOrPrnAmt>
			<sshPrnamt>785</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>466</Sole>
			<Shared>0</Shared>
			<None>319</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DARDEN RESTAURANTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>237194105</cusip>
		<value>525</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10394</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5822</Sole>
			<Shared>0</Shared>
			<None>4572</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DARDEN RESTAURANTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>237194105</cusip>
		<value>233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4624</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3347</Sole>
			<Shared>98</Shared>
			<None>1179</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DARLING INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>237266101</cusip>
		<value>197</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10560</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10560</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DARLING INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>237266101</cusip>
		<value>31</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1640</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1640</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>335</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4129</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3227</Sole>
			<Shared>0</Shared>
			<None>902</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>244199105</cusip>
		<value>160</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1965</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1757</Sole>
			<Shared>35</Shared>
			<None>173</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DELTA AIR LINES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>247361702</cusip>
		<value>146</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7825</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>312</Sole>
			<Shared>0</Shared>
			<None>7513</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DELTA AIR LINES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>247361702</cusip>
		<value>124</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6642</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1922</Sole>
			<Shared>0</Shared>
			<None>4720</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEVON ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25179M103</cusip>
		<value>264</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1348</Sole>
			<Shared>0</Shared>
			<None>3743</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DEVON ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25179M103</cusip>
		<value>46</value>
		<shrsOrPrnAmt>
			<sshPrnamt>883</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>748</Sole>
			<Shared>0</Shared>
			<None>135</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIAGEO PLC SPONSORED ADR (NEW)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>25243Q205</cusip>
		<value>241</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2095</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1291</Sole>
			<Shared>0</Shared>
			<None>804</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIAGEO PLC SPONSORED ADR (NEW)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>25243Q205</cusip>
		<value>143</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1247</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>840</Sole>
			<Shared>274</Shared>
			<None>133</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIAMOND OFFSHORE DRILLING INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25271C102</cusip>
		<value>190</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2761</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>800</Sole>
			<Shared>0</Shared>
			<None>1961</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIAMOND OFFSHORE DRILLING INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25271C102</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>519</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>102</Shared>
			<None>417</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIGITAL REALTY TRUST INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>253868103</cusip>
		<value>891</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14609</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2783</Sole>
			<Shared>0</Shared>
			<None>11826</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIGITAL REALTY TRUST INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>253868103</cusip>
		<value>588</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9646</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4198</Sole>
			<Shared>212</Shared>
			<None>5236</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>3116</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49350</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41117</Sole>
			<Shared>0</Shared>
			<None>8233</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>505</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8002</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6960</Sole>
			<Shared>609</Shared>
			<None>433</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DISCOVER FINANCAL SERVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254709108</cusip>
		<value>258</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5416</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1172</Sole>
			<Shared>0</Shared>
			<None>4244</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DISCOVER FINANCAL SERVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254709108</cusip>
		<value>226</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4735</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1820</Sole>
			<Shared>0</Shared>
			<None>2915</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIRECTV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25490A309</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4322</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1806</Sole>
			<Shared>0</Shared>
			<None>2516</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIRECTV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25490A309</cusip>
		<value>38</value>
		<shrsOrPrnAmt>
			<sshPrnamt>614</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>59</Sole>
			<Shared>0</Shared>
			<None>555</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DIRECTV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25490A309</cusip>
		<value>51</value>
		<shrsOrPrnAmt>
			<sshPrnamt>822</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>590</Sole>
			<Shared>161</Shared>
			<None>71</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOMINION RESOURCES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25746U109</cusip>
		<value>1020</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17946</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12312</Sole>
			<Shared>0</Shared>
			<None>5634</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOMINION RESOURCES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25746U109</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>425</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>425</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOMINION RESOURCES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>25746U109</cusip>
		<value>626</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11015</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8010</Sole>
			<Shared>1064</Shared>
			<None>1941</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOVER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260003108</cusip>
		<value>270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3482</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1616</Sole>
			<Shared>0</Shared>
			<None>1866</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOVER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260003108</cusip>
		<value>39</value>
		<shrsOrPrnAmt>
			<sshPrnamt>506</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>506</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOVER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260003108</cusip>
		<value>206</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2656</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2335</Sole>
			<Shared>180</Shared>
			<None>141</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260543103</cusip>
		<value>567</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17616</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15145</Sole>
			<Shared>0</Shared>
			<None>2471</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260543103</cusip>
		<value>232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5100</Sole>
			<Shared>1623</Shared>
			<None>498</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DR PEPPER SNAPPLE GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26138E109</cusip>
		<value>414</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9015</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3381</Sole>
			<Shared>0</Shared>
			<None>5634</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DR PEPPER SNAPPLE GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26138E109</cusip>
		<value>236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5148</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3180</Sole>
			<Shared>0</Shared>
			<None>1968</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DREYFUS STRATEGIC MUNI INC</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>261932107</cusip>
		<value>108</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12503</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12503</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DREYFUS MUNI INCOME INC</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>26201R102</cusip>
		<value>116</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12394</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12394</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DREYFUS MUNI INCOME INC</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>26201R102</cusip>
		<value>147</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15770</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15770</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EI DO PONT DE NEMOURS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>263534109</cusip>
		<value>2057</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39176</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17683</Sole>
			<Shared>0</Shared>
			<None>21493</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EI DO PONT DE NEMOURS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>263534109</cusip>
		<value>32</value>
		<shrsOrPrnAmt>
			<sshPrnamt>610</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>610</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EI DO PONT DE NEMOURS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>263534109</cusip>
		<value>1279</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24367</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14721</Sole>
			<Shared>945</Shared>
			<None>8701</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>2551</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37785</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28034</Sole>
			<Shared>0</Shared>
			<None>9751</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>2043</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30268</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>24814</Sole>
			<Shared>2170</Shared>
			<None>3284</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>268648102</cusip>
		<value>273</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11569</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7052</Sole>
			<Shared>0</Shared>
			<None>4517</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>268648102</cusip>
		<value>139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5865</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5282</Sole>
			<Shared>320</Shared>
			<None>263</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>1524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11570</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9407</Sole>
			<Shared>0</Shared>
			<None>2163</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>179</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>179</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>250</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1898</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1712</Sole>
			<Shared>90</Shared>
			<None>96</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EV ENERGY PARTNERS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26926V107</cusip>
		<value>179</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4788</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4788</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EV ENERGY PARTNERS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26926V107</cusip>
		<value>178</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4770</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4010</Sole>
			<Shared>0</Shared>
			<None>760</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>277432100</cusip>
		<value>243</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3465</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2053</Sole>
			<Shared>0</Shared>
			<None>1412</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>277432100</cusip>
		<value>47</value>
		<shrsOrPrnAmt>
			<sshPrnamt>665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>639</Sole>
			<Shared>0</Shared>
			<None>26</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27828N102</cusip>
		<value>117</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11510</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10510</Sole>
			<Shared>0</Shared>
			<None>1000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27828N102</cusip>
		<value>18</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1795</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1795</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27828S101</cusip>
		<value>264</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>17485</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>E. VANCE TAX MANAGED BUY- WRITE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27828Y108</cusip>
		<value>113</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8650</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8650</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>E. VANCE TAX MANAGED BUY- WRITE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27828Y108</cusip>
		<value>21</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1591</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1591</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27829C105</cusip>
		<value>90</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8120</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8120</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27829C105</cusip>
		<value>107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9650</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9650</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27829F108</cusip>
		<value>145</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15643</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15643</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27829F108</cusip>
		<value>130</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14050</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14050</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27829G106</cusip>
		<value>111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10148</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10148</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>27829G106</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EBAY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278642103</cusip>
		<value>435</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8408</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2245</Sole>
			<Shared>0</Shared>
			<None>6163</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EBAY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278642103</cusip>
		<value>60</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1163</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>780</Sole>
			<Shared>249</Shared>
			<None>134</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ECOLAB INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278865100</cusip>
		<value>1061</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12459</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10155</Sole>
			<Shared>0</Shared>
			<None>2304</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ECOLAB INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>278865100</cusip>
		<value>143</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1681</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1540</Sole>
			<Shared>141</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>2060</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37770</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16564</Sole>
			<Shared>0</Shared>
			<None>21206</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>291011104</cusip>
		<value>896</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16423</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4089</Sole>
			<Shared>2002</Shared>
			<None>10332</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENBRIDGE ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29250R106</cusip>
		<value>177</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5813</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5129</Sole>
			<Shared>0</Shared>
			<None>684</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENBRIDGE ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29250R106</cusip>
		<value>128</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2200</Sole>
			<Shared>2000</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERGIZER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29266R108</cusip>
		<value>140</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1395</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1395</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERGIZER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29266R108</cusip>
		<value>87</value>
		<shrsOrPrnAmt>
			<sshPrnamt>867</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>101</Sole>
			<Shared>0</Shared>
			<None>766</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERGY TRANSFER PARTNERS LP UNIT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29273R109</cusip>
		<value>411</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8134</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8134</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERGY TRANSFER PARTNERS LP UNIT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29273R109</cusip>
		<value>37</value>
		<shrsOrPrnAmt>
			<sshPrnamt>725</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>350</Sole>
			<Shared>375</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERGY TRANSFER EQUITY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29273V100</cusip>
		<value>210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3506</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3506</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERGY TRANSFER EQUITY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>29273V100</cusip>
		<value>162</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2712</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2712</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERPLUS</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>292766102</cusip>
		<value>95</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6430</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6430</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENERPLUS</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>292766102</cusip>
		<value>55</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3600</Sole>
			<Shared>0</Shared>
			<None>100</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>293792107</cusip>
		<value>2037</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32777</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31154</Sole>
			<Shared>0</Shared>
			<None>1623</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>293792107</cusip>
		<value>1132</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18214</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14983</Sole>
			<Shared>2520</Shared>
			<None>711</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQUIFAX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>294429105</cusip>
		<value>122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2078</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>505</Sole>
			<Shared>0</Shared>
			<None>1573</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQUIFAX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>294429105</cusip>
		<value>98</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1255</Sole>
			<Shared>0</Shared>
			<None>410</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ERICSSON</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>294821608</cusip>
		<value>154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13658</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>379</Sole>
			<Shared>0</Shared>
			<None>13279</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ERICSSON</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>294821608</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>971</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>971</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXELON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30161N101</cusip>
		<value>480</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15538</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10288</Sole>
			<Shared>0</Shared>
			<None>5250</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXELON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30161N101</cusip>
		<value>269</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8695</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7876</Sole>
			<Shared>474</Shared>
			<None>345</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXPRESS SCRIPTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30219G108</cusip>
		<value>1084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17557</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13771</Sole>
			<Shared>0</Shared>
			<None>3786</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXPRESS SCRIPTS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30219G108</cusip>
		<value>317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5132</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4603</Sole>
			<Shared>205</Shared>
			<None>324</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>14625</value>
		<shrsOrPrnAmt>
			<sshPrnamt>161868</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>149209</Sole>
			<Shared>0</Shared>
			<None>12659</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>4054</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44873</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>38949</Sole>
			<Shared>3170</Shared>
			<None>2754</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FMC TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30249U101</cusip>
		<value>1092</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19606</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18546</Sole>
			<Shared>0</Shared>
			<None>1060</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FMC TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30249U101</cusip>
		<value>57</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1022</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>960</Sole>
			<Shared>0</Shared>
			<None>62</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FNB CORP OF PA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>302520101</cusip>
		<value>234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19382</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19382</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FASTENAL CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>311900104</cusip>
		<value>129</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2825</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2375</Sole>
			<Shared>0</Shared>
			<None>450</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FASTENAL CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>311900104</cusip>
		<value>76</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1655</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1655</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FEDEX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31428X106</cusip>
		<value>643</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6526</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6055</Sole>
			<Shared>0</Shared>
			<None>471</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FEDEX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31428X106</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>242</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>242</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIDUS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>316500107</cusip>
		<value>216</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11528</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11528</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIDUS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>316500107</cusip>
		<value>64</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3435</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3435</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>316773100</cusip>
		<value>334</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18486</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14344</Sole>
			<Shared>0</Shared>
			<None>4142</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>316773100</cusip>
		<value>52</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>429</Sole>
			<Shared>236</Shared>
			<None>2237</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIFTH STREET FINANCE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31678A103</cusip>
		<value>50</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4740</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIFTH STREET FINANCE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31678A103</cusip>
		<value>152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14531</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14531</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST COMMONWEALTH FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>319829107</cusip>
		<value>419</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56877</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>56877</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>336917109</cusip>
		<value>125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6081</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6081</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>336917109</cusip>
		<value>80</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>33718M105</cusip>
		<value>72</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2731</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2731</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>33718M105</cusip>
		<value>151</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5719</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>337318109</cusip>
		<value>92</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7267</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7267</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>337318109</cusip>
		<value>38</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>676</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18095</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16895</Sole>
			<Shared>0</Shared>
			<None>1200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>41</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FLUOR CORP (NEW)</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>343412102</cusip>
		<value>157</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2643</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1323</Sole>
			<Shared>0</Shared>
			<None>1320</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FLUOR CORP (NEW)</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>343412102</cusip>
		<value>83</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1402</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1150</Sole>
			<Shared>190</Shared>
			<None>62</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>34354P105</cusip>
		<value>1377</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25497</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19542</Sole>
			<Shared>0</Shared>
			<None>5955</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>34354P105</cusip>
		<value>325</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6015</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4665</Sole>
			<Shared>255</Shared>
			<None>1095</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FORD MOTOR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>345370860</cusip>
		<value>326</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21094</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18140</Sole>
			<Shared>0</Shared>
			<None>2954</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FORD MOTOR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>345370860</cusip>
		<value>217</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14049</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7349</Sole>
			<Shared>6600</Shared>
			<None>100</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FOREST LABS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>345838106</cusip>
		<value>301</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7336</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3596</Sole>
			<Shared>0</Shared>
			<None>3740</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FOREST LABS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>345838106</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>873</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>135</Sole>
			<Shared>653</Shared>
			<None>85</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FREEPORT-MCMORAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>35671D857</cusip>
		<value>339</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12265</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9656</Sole>
			<Shared>0</Shared>
			<None>2609</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FREEPORT-MCMORAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>35671D857</cusip>
		<value>94</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3399</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2250</Sole>
			<Shared>1080</Shared>
			<None>69</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FRONTIER COMMUNICATIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>35906A108</cusip>
		<value>177</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43792</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43604</Sole>
			<Shared>0</Shared>
			<None>188</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FRONTIER COMMUNICATIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>35906A108</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>199</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>199</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FRONTIER COMMUNICATIONS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>35906A108</cusip>
		<value>97</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24018</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>22799</Sole>
			<Shared>1219</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GABELLI</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>36242H104</cusip>
		<value>337</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17445</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17445</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GABELLI</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>36242H104</cusip>
		<value>165</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8545</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8545</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>363576109</cusip>
		<value>250</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5731</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4396</Sole>
			<Shared>0</Shared>
			<None>1335</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>363576109</cusip>
		<value>152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3480</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3105</Sole>
			<Shared>73</Shared>
			<None>302</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GAP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>364760108</cusip>
		<value>228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5468</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>515</Sole>
			<Shared>0</Shared>
			<None>4953</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GAP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>364760108</cusip>
		<value>68</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1618</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1618</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369550108</cusip>
		<value>1096</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9778</Sole>
			<Shared>0</Shared>
			<None>4216</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369550108</cusip>
		<value>67</value>
		<shrsOrPrnAmt>
			<sshPrnamt>856</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>150</Sole>
			<Shared>0</Shared>
			<None>706</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>4098</value>
		<shrsOrPrnAmt>
			<sshPrnamt>176721</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>160085</Sole>
			<Shared>0</Shared>
			<None>16636</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>2815</value>
		<shrsOrPrnAmt>
			<sshPrnamt>121402</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>101300</Sole>
			<Shared>17984</Shared>
			<None>2118</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>370334104</cusip>
		<value>2197</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45280</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24620</Sole>
			<Shared>0</Shared>
			<None>20660</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>370334104</cusip>
		<value>752</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6589</Sole>
			<Shared>647</Shared>
			<None>8268</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>396</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5071</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4197</Sole>
			<Shared>0</Shared>
			<None>874</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>284</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3637</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2889</Sole>
			<Shared>0</Shared>
			<None>748</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>536</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10446</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4707</Sole>
			<Shared>0</Shared>
			<None>5739</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>63</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
			<Shared>0</Shared>
			<None>921</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GLAXO SMITHKLINE SPONSORED PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>37733W105</cusip>
		<value>2443</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48897</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16436</Sole>
			<Shared>0</Shared>
			<None>32461</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GLAXO SMITHKLINE SPONSORED PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>37733W105</cusip>
		<value>859</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17190</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2426</Sole>
			<Shared>686</Shared>
			<None>14078</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>547</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3614</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1803</Sole>
			<Shared>0</Shared>
			<None>1811</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>177</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1172</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>743</Sole>
			<Shared>0</Shared>
			<None>429</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOOGLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38259P508</cusip>
		<value>2019</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2293</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1276</Sole>
			<Shared>0</Shared>
			<None>1017</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOOGLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38259P508</cusip>
		<value>330</value>
		<shrsOrPrnAmt>
			<sshPrnamt>375</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>228</Sole>
			<Shared>41</Shared>
			<None>106</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>384802104</cusip>
		<value>426</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1688</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>623</Sole>
			<Shared>0</Shared>
			<None>1065</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>384802104</cusip>
		<value>224</value>
		<shrsOrPrnAmt>
			<sshPrnamt>887</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>827</Sole>
			<Shared>60</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>40167B100</cusip>
		<value>59</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6675</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6675</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>40167B100</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3928</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3928</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HCC INSURANCE HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>404132102</cusip>
		<value>208</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4824</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>275</Sole>
			<Shared>0</Shared>
			<None>4549</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HCC INSURANCE HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>404132102</cusip>
		<value>44</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1030</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1030</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HCP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>40414L109</cusip>
		<value>362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7968</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4504</Sole>
			<Shared>0</Shared>
			<None>3464</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HCP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>40414L109</cusip>
		<value>114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2498</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>686</Sole>
			<Shared>0</Shared>
			<None>1812</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HSBC HOLDINGS PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>404280406</cusip>
		<value>198</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3808</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1293</Sole>
			<Shared>0</Shared>
			<None>2515</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HSBC HOLDINGS PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>404280406</cusip>
		<value>8</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>113</Sole>
			<Shared>0</Shared>
			<None>37</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HALLIBURTON CO (HOLDING CO)</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>406216101</cusip>
		<value>632</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15148</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10686</Sole>
			<Shared>0</Shared>
			<None>4462</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HALLIBURTON CO (HOLDING CO)</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>406216101</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>647</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>647</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HALLIBURTON CO (HOLDING CO)</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>406216101</cusip>
		<value>73</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1755</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1560</Sole>
			<Shared>0</Shared>
			<None>195</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HANESBRANDS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>410345102</cusip>
		<value>310</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6024</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1313</Sole>
			<Shared>0</Shared>
			<None>4711</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HANESBRANDS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>410345102</cusip>
		<value>91</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1777</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>2</Shared>
			<None>1775</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HARRIS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>413875105</cusip>
		<value>382</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7753</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6908</Sole>
			<Shared>0</Shared>
			<None>845</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HASBRO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>418056107</cusip>
		<value>302</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6727</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3778</Sole>
			<Shared>0</Shared>
			<None>2949</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HASBRO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>418056107</cusip>
		<value>171</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3819</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2083</Sole>
			<Shared>0</Shared>
			<None>1736</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HEALTH CARE REIT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>42217K106</cusip>
		<value>1122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16742</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10891</Sole>
			<Shared>0</Shared>
			<None>5851</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HEALTH CARE REIT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>42217K106</cusip>
		<value>500</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7456</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4765</Sole>
			<Shared>357</Shared>
			<None>2334</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HERSHEY FOODS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>427866108</cusip>
		<value>232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HESS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>42809H107</cusip>
		<value>353</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5304</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5125</Sole>
			<Shared>0</Shared>
			<None>179</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HESS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>42809H107</cusip>
		<value>60</value>
		<shrsOrPrnAmt>
			<sshPrnamt>908</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>908</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HEWLETT PACKARD CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>428236103</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8896</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5525</Sole>
			<Shared>0</Shared>
			<None>3371</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HEWLETT PACKARD CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>428236103</cusip>
		<value>224</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9028</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5606</Sole>
			<Shared>500</Shared>
			<None>2922</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HI-CRUSH PARTNERS LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>428337109</cusip>
		<value>277</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11758</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11758</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>5193</value>
		<shrsOrPrnAmt>
			<sshPrnamt>67036</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41578</Sole>
			<Shared>0</Shared>
			<None>25458</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>457</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>457</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>1596</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20607</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>11493</Sole>
			<Shared>2087</Shared>
			<None>7027</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>3671</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46265</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29921</Sole>
			<Shared>0</Shared>
			<None>16344</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>524</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>524</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>897</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3839</Sole>
			<Shared>407</Shared>
			<None>7055</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>J B HUNT TRANSPORT SERVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>445658107</cusip>
		<value>203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2811</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>187</Sole>
			<Shared>0</Shared>
			<None>2624</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>446150104</cusip>
		<value>89</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11258</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10392</Sole>
			<Shared>0</Shared>
			<None>866</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>446150104</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ING PRIME RATE TRUST SH BEN INT</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>44977W106</cusip>
		<value>60</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9470</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9470</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ING PRIME RATE TRUST SH BEN INT</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>44977W106</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ING</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>449810100</cusip>
		<value>99</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9145</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ING</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>449810100</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2260</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2260</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IDEX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45167R104</cusip>
		<value>282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5239</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5239</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IDEX CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45167R104</cusip>
		<value>32</value>
		<shrsOrPrnAmt>
			<sshPrnamt>600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>452308109</cusip>
		<value>957</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13839</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13089</Sole>
			<Shared>0</Shared>
			<None>750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>452308109</cusip>
		<value>369</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5334</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4934</Sole>
			<Shared>400</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>2437</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100594</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>75985</Sole>
			<Shared>0</Shared>
			<None>24609</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>19</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>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>1003</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41403</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>31983</Sole>
			<Shared>4199</Shared>
			<None>5221</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERCONTINENTAL EXCHANGE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45865V100</cusip>
		<value>258</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1451</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>181</Sole>
			<Shared>0</Shared>
			<None>1270</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERCONTINENTAL EXCHANGE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>45865V100</cusip>
		<value>7</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>27</Shared>
			<None>11</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERNATIONAL BUSINESS MACHINES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>5750</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30089</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26374</Sole>
			<Shared>0</Shared>
			<None>3715</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTERNATIONAL BUSINESS MACHINES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>3442</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18013</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16547</Sole>
			<Shared>877</Shared>
			<None>589</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTUIT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>461202103</cusip>
		<value>805</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9974</Sole>
			<Shared>0</Shared>
			<None>3206</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTUIT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>461202103</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46131H107</cusip>
		<value>44</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8020</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8020</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46131H107</cusip>
		<value>34</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46131M106</cusip>
		<value>114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8337</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8337</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46131M106</cusip>
		<value>89</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6494</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>5494</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46132C107</cusip>
		<value>137</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10571</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10571</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46132C107</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46132R104</cusip>
		<value>138</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10540</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9300</Sole>
			<Shared>0</Shared>
			<None>1240</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46132R104</cusip>
		<value>58</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4455</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>46132X101</cusip>
		<value>82</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>IRON MOUNTAIN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>462846106</cusip>
		<value>136</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5129</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1468</Sole>
			<Shared>0</Shared>
			<None>3661</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>IRON MOUNTAIN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>462846106</cusip>
		<value>87</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3272</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1587</Sole>
			<Shared>0</Shared>
			<None>1685</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES GOLD TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464285105</cusip>
		<value>98</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8147</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4947</Sole>
			<Shared>0</Shared>
			<None>3200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES GOLD TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464285105</cusip>
		<value>58</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1800</Sole>
			<Shared>3000</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464286509</cusip>
		<value>125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4799</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3516</Sole>
			<Shared>0</Shared>
			<None>1283</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464286509</cusip>
		<value>141</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5381</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2652</Sole>
			<Shared>0</Shared>
			<None>2729</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464286665</cusip>
		<value>109</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2522</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1537</Sole>
			<Shared>0</Shared>
			<None>985</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464286665</cusip>
		<value>115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2680</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>514</Sole>
			<Shared>0</Shared>
			<None>2166</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287168</cusip>
		<value>299</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4390</Sole>
			<Shared>0</Shared>
			<None>275</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287168</cusip>
		<value>45</value>
		<shrsOrPrnAmt>
			<sshPrnamt>708</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>708</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287168</cusip>
		<value>346</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5408</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3373</Sole>
			<Shared>2035</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287176</cusip>
		<value>671</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5523</Sole>
			<Shared>0</Shared>
			<None>471</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287176</cusip>
		<value>795</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7096</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6376</Sole>
			<Shared>720</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287200</cusip>
		<value>806</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5013</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5013</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287200</cusip>
		<value>565</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3512</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2990</Sole>
			<Shared>522</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287226</cusip>
		<value>2017</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18814</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7739</Sole>
			<Shared>0</Shared>
			<None>11075</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287226</cusip>
		<value>217</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2023</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1991</Sole>
			<Shared>0</Shared>
			<None>32</None>
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			<None>5507</None>
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		<cusip>464287242</cusip>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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	<infoTable>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>1000</None>
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	<infoTable>
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		<cusip>464287408</cusip>
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		<shrsOrPrnAmt>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
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		<cusip>464287440</cusip>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287457</cusip>
		<value>403</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4781</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3216</Sole>
			<Shared>0</Shared>
			<None>1565</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287457</cusip>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287465</cusip>
		<value>4895</value>
		<shrsOrPrnAmt>
			<sshPrnamt>85431</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>63561</Sole>
			<Shared>0</Shared>
			<None>21870</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287465</cusip>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<Shared>591</Shared>
			<None>5178</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287473</cusip>
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			<sshPrnamt>6049</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>3008</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287473</cusip>
		<value>41</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>716</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287481</cusip>
		<value>232</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3230</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2751</Sole>
			<Shared>0</Shared>
			<None>300</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287499</cusip>
		<value>114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>875</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
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		<value>547</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4734</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4134</Sole>
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			<None>600</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287507</cusip>
		<value>261</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2256</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1305</Sole>
			<Shared>951</Shared>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287556</cusip>
		<value>304</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1150</Sole>
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			<None>600</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287564</cusip>
		<value>166</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2056</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1456</Sole>
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			<None>600</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287564</cusip>
		<value>73</value>
		<shrsOrPrnAmt>
			<sshPrnamt>900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
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		<value>340</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4057</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>969</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287606</cusip>
		<value>169</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1311</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>650</None>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287606</cusip>
		<value>116</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>38832</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25975</Sole>
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			<None>12857</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287614</cusip>
		<value>255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3502</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
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			<None>1070</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287655</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>16619</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8128</Sole>
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			<None>8491</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287655</cusip>
		<value>244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2514</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1893</Sole>
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			<None>621</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287705</cusip>
		<value>283</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2794</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2194</Sole>
			<Shared>0</Shared>
			<None>600</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287705</cusip>
		<value>77</value>
		<shrsOrPrnAmt>
			<sshPrnamt>761</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>761</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287804</cusip>
		<value>598</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6618</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5384</Sole>
			<Shared>0</Shared>
			<None>1234</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287804</cusip>
		<value>18</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>200</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287804</cusip>
		<value>423</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4686</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2810</Sole>
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			<None>1126</None>
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		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287879</cusip>
		<value>172</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1837</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>887</Sole>
			<Shared>0</Shared>
			<None>950</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464287879</cusip>
		<value>39</value>
		<shrsOrPrnAmt>
			<sshPrnamt>422</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>422</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288109</cusip>
		<value>240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>100</Sole>
			<Shared>0</Shared>
			<None>3200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288109</cusip>
		<value>225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3088</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3088</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288273</cusip>
		<value>282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6712</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3829</Sole>
			<Shared>0</Shared>
			<None>2883</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288273</cusip>
		<value>38</value>
		<shrsOrPrnAmt>
			<sshPrnamt>898</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>898</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288281</cusip>
		<value>237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2168</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>838</Sole>
			<Shared>0</Shared>
			<None>1330</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288281</cusip>
		<value>107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>973</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>973</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288414</cusip>
		<value>873</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8310</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>631</Sole>
			<Shared>0</Shared>
			<None>7679</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288414</cusip>
		<value>21</value>
		<shrsOrPrnAmt>
			<sshPrnamt>196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>196</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288414</cusip>
		<value>788</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7501</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>84</Sole>
			<Shared>803</Shared>
			<None>6614</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288513</cusip>
		<value>8713</value>
		<shrsOrPrnAmt>
			<sshPrnamt>95876</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>95168</Sole>
			<Shared>0</Shared>
			<None>708</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288513</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>170</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288513</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2931</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1904</Sole>
			<Shared>477</Shared>
			<None>550</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288638</cusip>
		<value>366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3397</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2167</Sole>
			<Shared>0</Shared>
			<None>1230</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288638</cusip>
		<value>138</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1281</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>877</Sole>
			<Shared>0</Shared>
			<None>404</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288646</cusip>
		<value>265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2523</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1504</Sole>
			<Shared>0</Shared>
			<None>1019</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288646</cusip>
		<value>369</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3513</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2680</Sole>
			<Shared>0</Shared>
			<None>833</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288661</cusip>
		<value>152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1258</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>758</Sole>
			<Shared>0</Shared>
			<None>500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288661</cusip>
		<value>51</value>
		<shrsOrPrnAmt>
			<sshPrnamt>424</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>424</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288687</cusip>
		<value>320</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8135</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7632</Sole>
			<Shared>0</Shared>
			<None>503</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288687</cusip>
		<value>262</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6676</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6676</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288885</cusip>
		<value>251</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4070</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4070</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>464288885</cusip>
		<value>25</value>
		<shrsOrPrnAmt>
			<sshPrnamt>400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>JP MORGAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46625H100</cusip>
		<value>5422</value>
		<shrsOrPrnAmt>
			<sshPrnamt>102703</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>58161</Sole>
			<Shared>0</Shared>
			<None>44542</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JP MORGAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46625H100</cusip>
		<value>47</value>
		<shrsOrPrnAmt>
			<sshPrnamt>896</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>896</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JP MORGAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46625H100</cusip>
		<value>2392</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45309</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>26731</Sole>
			<Shared>3711</Shared>
			<None>14867</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>JARDEN CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>471109108</cusip>
		<value>199</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4555</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JARDEN CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>471109108</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>958</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>958</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478160104</cusip>
		<value>6328</value>
		<shrsOrPrnAmt>
			<sshPrnamt>73696</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>57279</Sole>
			<Shared>0</Shared>
			<None>16417</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478160104</cusip>
		<value>34</value>
		<shrsOrPrnAmt>
			<sshPrnamt>400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478160104</cusip>
		<value>2232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25995</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>18183</Sole>
			<Shared>4029</Shared>
			<None>3783</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478366107</cusip>
		<value>427</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11937</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9199</Sole>
			<Shared>0</Shared>
			<None>2738</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>478366107</cusip>
		<value>79</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2216</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2216</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KAYNE ANDERSON MLP INVESTMENT</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>486606106</cusip>
		<value>144</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3700</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KAYNE ANDERSON MLP INVESTMENT</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>486606106</cusip>
		<value>260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6685</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6685</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KCAP FINL INC</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>48668E101</cusip>
		<value>114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10150</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KELLOGG CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>487836108</cusip>
		<value>192</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2983</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2583</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KELLOGG CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>487836108</cusip>
		<value>107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1670</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1520</Sole>
			<Shared>150</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KEYCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>493267108</cusip>
		<value>225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20411</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>700</Sole>
			<Shared>0</Shared>
			<None>19711</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KEYCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>493267108</cusip>
		<value>91</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8271</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4155</Sole>
			<Shared>0</Shared>
			<None>4116</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KIMBERLY CLARK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>494368103</cusip>
		<value>1916</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19726</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12703</Sole>
			<Shared>0</Shared>
			<None>7023</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KIMBERLY CLARK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>494368103</cusip>
		<value>1105</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11377</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7642</Sole>
			<Shared>1180</Shared>
			<None>2555</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KINDER MORGAN ENERGY PARTNERS LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>494550106</cusip>
		<value>474</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5552</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4321</Sole>
			<Shared>0</Shared>
			<None>1231</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KINDER MORGAN ENERGY PARTNERS LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>494550106</cusip>
		<value>442</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5175</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4528</Sole>
			<Shared>348</Shared>
			<None>299</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KINDER MORGAN MGMT LLC SHARES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>49455U100</cusip>
		<value>287</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3434</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3397</Sole>
			<Shared>0</Shared>
			<None>37</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KINDER MORGAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>49456B101</cusip>
		<value>257</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6726</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2242</Sole>
			<Shared>0</Shared>
			<None>4484</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KINDER MORGAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>49456B101</cusip>
		<value>162</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4240</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4240</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KIRBY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>497266106</cusip>
		<value>256</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3219</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>159</Sole>
			<Shared>0</Shared>
			<None>3060</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KOHLS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>500255104</cusip>
		<value>190</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3757</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>499</Sole>
			<Shared>0</Shared>
			<None>3258</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KOHLS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>500255104</cusip>
		<value>73</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1445</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1445</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>50076Q106</cusip>
		<value>1340</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23985</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15161</Sole>
			<Shared>0</Shared>
			<None>8824</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KRAFT FOODS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>50076Q106</cusip>
		<value>510</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9120</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4798</Sole>
			<Shared>467</Shared>
			<None>3855</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KROGER CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>501044101</cusip>
		<value>254</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7362</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3035</Sole>
			<Shared>0</Shared>
			<None>4327</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KROGER CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>501044101</cusip>
		<value>32</value>
		<shrsOrPrnAmt>
			<sshPrnamt>921</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>921</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KROGER CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>501044101</cusip>
		<value>104</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
			<Shared>0</Shared>
			<None>2705</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>KULICKE &amp; SOFFA INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>501242101</cusip>
		<value>111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10038</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5000</Sole>
			<Shared>0</Shared>
			<None>5038</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LSI LOGIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>502161102</cusip>
		<value>79</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>487</Sole>
			<Shared>0</Shared>
			<None>10618</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LSI LOGIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>502161102</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>28</Sole>
			<Shared>0</Shared>
			<None>117</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>L-3 COMMUNICATIONS HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>502424104</cusip>
		<value>658</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7675</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6450</Sole>
			<Shared>0</Shared>
			<None>1225</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>L-3 COMMUNICATIONS HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>502424104</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>194</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>50</Sole>
			<Shared>144</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LADENBURG</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>50575Q102</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LEAR CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>521865204</cusip>
		<value>218</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3613</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30</Sole>
			<Shared>0</Shared>
			<None>3583</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LEAR CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>521865204</cusip>
		<value>62</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1032</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1032</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>524660107</cusip>
		<value>184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5926</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5926</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>524660107</cusip>
		<value>170</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5075</Sole>
			<Shared>400</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LIBERTY ALL-STAR GROWTH FND INC</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>529900102</cusip>
		<value>70</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15538</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15538</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LIBERTY ALL-STAR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>530158104</cusip>
		<value>79</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15137</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15137</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LIBERTY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>53071M104</cusip>
		<value>372</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16148</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4800</Sole>
			<Shared>0</Shared>
			<None>11348</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LIBERTY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>53071M104</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>617</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>95</Sole>
			<Shared>522</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LIBERTY MEDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>531229102</cusip>
		<value>291</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2292</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>508</Sole>
			<Shared>0</Shared>
			<None>1784</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LIBERTY MEDIA CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>531229102</cusip>
		<value>25</value>
		<shrsOrPrnAmt>
			<sshPrnamt>199</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>15</Sole>
			<Shared>148</Shared>
			<None>36</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELI LILLY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>532457108</cusip>
		<value>644</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13119</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10709</Sole>
			<Shared>0</Shared>
			<None>2410</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELI LILLY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>532457108</cusip>
		<value>352</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7172</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5450</Sole>
			<Shared>817</Shared>
			<None>905</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINCOLN NATIONAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>534187109</cusip>
		<value>172</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4718</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1400</Sole>
			<Shared>0</Shared>
			<None>3318</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINCOLN NATIONAL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>534187109</cusip>
		<value>128</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3520</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1516</Sole>
			<Shared>0</Shared>
			<None>2004</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>535782106</cusip>
		<value>196</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5261</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5261</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>535782106</cusip>
		<value>82</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINN ENERGY LLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>536020100</cusip>
		<value>659</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19861</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18961</Sole>
			<Shared>0</Shared>
			<None>900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LINN ENERGY LLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>536020100</cusip>
		<value>580</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17492</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13392</Sole>
			<Shared>4100</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LLOYDS </nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>539439109</cusip>
		<value>41</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10764</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10764</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>539830109</cusip>
		<value>865</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7977</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4027</Sole>
			<Shared>0</Shared>
			<None>3950</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>539830109</cusip>
		<value>304</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2805</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1055</Sole>
			<Shared>540</Shared>
			<None>1210</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LORILLARD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>544147101</cusip>
		<value>1664</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38099</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29734</Sole>
			<Shared>0</Shared>
			<None>8365</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LORILLARD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>544147101</cusip>
		<value>228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1305</Sole>
			<Shared>171</Shared>
			<None>3752</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOWES COMPANIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7849</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3967</Sole>
			<Shared>0</Shared>
			<None>3882</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOWES COMPANIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>197</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4812</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4265</Sole>
			<Shared>490</Shared>
			<None>57</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>M &amp; T BK CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55261F104</cusip>
		<value>483</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4323</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2544</Sole>
			<Shared>0</Shared>
			<None>1779</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>M &amp; T BK CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55261F104</cusip>
		<value>278</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2330</Sole>
			<Shared>155</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MFS INTERMEDIATE INCOME TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>55273C107</cusip>
		<value>78</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MFS INTERMEDIATE INCOME TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>55273C107</cusip>
		<value>16</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MACYS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55616P104</cusip>
		<value>134</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2796</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>859</Sole>
			<Shared>0</Shared>
			<None>1937</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MACYS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55616P104</cusip>
		<value>186</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3866</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2760</Sole>
			<Shared>136</Shared>
			<None>970</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MAGELLAN MISTREAM PARTNERS LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>559080106</cusip>
		<value>136</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MAGELLAN MISTREAM PARTNERS LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>559080106</cusip>
		<value>204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3740</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MAGNA</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>559222401</cusip>
		<value>1321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18155</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MAGNA</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>559222401</cusip>
		<value>267</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3745</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3745</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON OIL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>565849106</cusip>
		<value>1240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35869</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32282</Sole>
			<Shared>0</Shared>
			<None>3587</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON OIL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>565849106</cusip>
		<value>306</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8853</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4020</Sole>
			<Shared>4424</Shared>
			<None>409</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56585A102</cusip>
		<value>1207</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16992</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15608</Sole>
			<Shared>0</Shared>
			<None>1384</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>56585A102</cusip>
		<value>338</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4760</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1800</Sole>
			<Shared>2212</Shared>
			<None>748</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARSH &amp; MCLENNAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>571748102</cusip>
		<value>199</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4996</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3469</Sole>
			<Shared>0</Shared>
			<None>1527</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARSH &amp; MCLENNAN</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>571748102</cusip>
		<value>19</value>
		<shrsOrPrnAmt>
			<sshPrnamt>464</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>28</Shared>
			<None>36</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>850</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1479</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>467</Sole>
			<Shared>0</Shared>
			<None>1012</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>24</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MATTEL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>577081102</cusip>
		<value>1781</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39314</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9477</Sole>
			<Shared>0</Shared>
			<None>29837</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MATTEL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>577081102</cusip>
		<value>888</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19602</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6752</Sole>
			<Shared>591</Shared>
			<None>12259</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALDS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>4523</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45687</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30983</Sole>
			<Shared>0</Shared>
			<None>14704</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALDS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>1719</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>11040</Sole>
			<Shared>1561</Shared>
			<None>4764</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCG CAPITAL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58047P107</cusip>
		<value>153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29370</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>29370</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58155Q103</cusip>
		<value>150</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1306</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>180</Sole>
			<Shared>0</Shared>
			<None>1126</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58155Q103</cusip>
		<value>133</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1160</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>457</Sole>
			<Shared>0</Shared>
			<None>703</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEADWESTVACO CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>583334107</cusip>
		<value>349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10243</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4531</Sole>
			<Shared>0</Shared>
			<None>5712</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEADWESTVACO CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>583334107</cusip>
		<value>146</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4290</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3400</Sole>
			<Shared>0</Shared>
			<None>890</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDNAX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58502B106</cusip>
		<value>191</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2088</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>142</Sole>
			<Shared>0</Shared>
			<None>1946</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDNAX</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58502B106</cusip>
		<value>47</value>
		<shrsOrPrnAmt>
			<sshPrnamt>512</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>12</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>585055106</cusip>
		<value>726</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14113</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5924</Sole>
			<Shared>0</Shared>
			<None>8189</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>585055106</cusip>
		<value>273</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5302</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2472</Sole>
			<Shared>0</Shared>
			<None>2830</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>5406</value>
		<shrsOrPrnAmt>
			<sshPrnamt>116373</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>75802</Sole>
			<Shared>0</Shared>
			<None>40571</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MERCK &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>2201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47383</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>27063</Sole>
			<Shared>2619</Shared>
			<None>17701</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>METLIFE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>59156R108</cusip>
		<value>709</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6192</Sole>
			<Shared>0</Shared>
			<None>9312</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>METLIFE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>59156R108</cusip>
		<value>198</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4337</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2630</Sole>
			<Shared>370</Shared>
			<None>1337</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MFS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>59318D104</cusip>
		<value>50</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MFS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>59318E102</cusip>
		<value>119</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26678</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26678</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MFS</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>59318E102</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>6571</value>
		<shrsOrPrnAmt>
			<sshPrnamt>190224</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>120611</Sole>
			<Shared>0</Shared>
			<None>69613</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1228</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>2222</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64317</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>35931</Sole>
			<Shared>4161</Shared>
			<None>24225</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595017104</cusip>
		<value>358</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9603</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3919</Sole>
			<Shared>0</Shared>
			<None>5684</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595017104</cusip>
		<value>106</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2848</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2000</Sole>
			<Shared>165</Shared>
			<None>683</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MID-AMERICA APARTMENT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>59522J103</cusip>
		<value>783</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11551</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10199</Sole>
			<Shared>0</Shared>
			<None>1352</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MID-AMERICA APARTMENT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>59522J103</cusip>
		<value>67</value>
		<shrsOrPrnAmt>
			<sshPrnamt>993</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>880</Sole>
			<Shared>0</Shared>
			<None>113</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MIDDLEBY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>596278101</cusip>
		<value>218</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1279</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60</Sole>
			<Shared>0</Shared>
			<None>1219</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MIDDLEBY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>596278101</cusip>
		<value>16</value>
		<shrsOrPrnAmt>
			<sshPrnamt>92</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>92</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOLSON COORS BREWING CO CLASS B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>60871R209</cusip>
		<value>305</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6374</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>820</Sole>
			<Shared>0</Shared>
			<None>5554</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOLSON COORS BREWING CO CLASS B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>60871R209</cusip>
		<value>66</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1378</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1378</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609207105</cusip>
		<value>1261</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39723</Sole>
			<Shared>0</Shared>
			<None>4473</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONDELEZ INTERNATIONAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>609207105</cusip>
		<value>429</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15047</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13586</Sole>
			<Shared>1229</Shared>
			<None>232</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONSANTO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61166W101</cusip>
		<value>604</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2250</Sole>
			<Shared>0</Shared>
			<None>3866</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONSANTO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61166W101</cusip>
		<value>160</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1617</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1351</Sole>
			<Shared>174</Shared>
			<None>92</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>617446448</cusip>
		<value>132</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5391</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1352</Sole>
			<Shared>0</Shared>
			<None>4039</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>617446448</cusip>
		<value>84</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3436</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>436</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>61745P874</cusip>
		<value>87</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5090</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5090</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>61745P874</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>213</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>213</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>61745P874</cusip>
		<value>102</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6005</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NYSE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>629491101</cusip>
		<value>497</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12002</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8547</Sole>
			<Shared>0</Shared>
			<None>3455</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NYSE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>629491101</cusip>
		<value>117</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2815</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2815</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL FUEL GAS CO NJ</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>636180101</cusip>
		<value>187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3224</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1227</Sole>
			<Shared>0</Shared>
			<None>1997</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL FUEL GAS CO NJ</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>636180101</cusip>
		<value>68</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1176</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1176</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL GRID</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>636274300</cusip>
		<value>667</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11767</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2274</Sole>
			<Shared>0</Shared>
			<None>9493</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL GRID</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>636274300</cusip>
		<value>234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4136</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>142</Shared>
			<None>3994</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL OILWELL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>637071101</cusip>
		<value>205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2982</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1990</Sole>
			<Shared>0</Shared>
			<None>992</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL OILWELL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>637071101</cusip>
		<value>51</value>
		<shrsOrPrnAmt>
			<sshPrnamt>747</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>561</Sole>
			<Shared>140</Shared>
			<None>46</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL RETAIL PROPERTIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>637417106</cusip>
		<value>255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7411</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6919</Sole>
			<Shared>0</Shared>
			<None>492</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NATIONAL RETAIL PROPERTIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>637417106</cusip>
		<value>72</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2040</Sole>
			<Shared>0</Shared>
			<None>51</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEUBERGER BERMAN INT'L MUNI FUND</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>64124P101</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14638</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14638</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEUBERGER BERMAN INT'L MUNI FUND</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>64124P101</cusip>
		<value>151</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10490</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10490</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEUBERGER BERMAN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>64190A103</cusip>
		<value>81</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16770</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14622</Sole>
			<Shared>0</Shared>
			<None>2148</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEW GOLD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>644535106</cusip>
		<value>88</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13643</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>345</Sole>
			<Shared>0</Shared>
			<None>13298</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEW GOLD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>644535106</cusip>
		<value>7</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1015</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1015</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEW YORK COMMUNITY BANCORP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>649445103</cusip>
		<value>851</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60795</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60795</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEW YORK COMMUNITY BANCORP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>649445103</cusip>
		<value>357</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25496</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>23854</Sole>
			<Shared>0</Shared>
			<None>1642</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWELL RUBBERMAID INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>651229106</cusip>
		<value>189</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7191</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3621</Sole>
			<Shared>0</Shared>
			<None>3570</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWELL RUBBERMAID INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>651229106</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWFIELD EXPLORATION CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>651290108</cusip>
		<value>228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9550</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWFIELD EXPLORATION CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>651290108</cusip>
		<value>37</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1559</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1559</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWS CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65248E104</cusip>
		<value>198</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5371</Sole>
			<Shared>0</Shared>
			<None>704</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWS CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65248E104</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>12</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEWS CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65248E104</cusip>
		<value>8</value>
		<shrsOrPrnAmt>
			<sshPrnamt>232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>232</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEXTERA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>1136</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13938</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11509</Sole>
			<Shared>0</Shared>
			<None>2429</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NEXTERA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>65339F101</cusip>
		<value>930</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11418</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10565</Sole>
			<Shared>557</Shared>
			<None>296</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NIKE INC CL B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>1303</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20459</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14386</Sole>
			<Shared>0</Shared>
			<None>6073</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NIKE INC CL B</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>654106103</cusip>
		<value>206</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3235</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2115</Sole>
			<Shared>245</Shared>
			<None>875</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>655844108</cusip>
		<value>1129</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15540</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4949</Sole>
			<Shared>0</Shared>
			<None>10591</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>655844108</cusip>
		<value>846</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11639</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7306</Sole>
			<Shared>336</Shared>
			<None>3997</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>666807102</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2673</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1005</Sole>
			<Shared>0</Shared>
			<None>1668</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>666807102</cusip>
		<value>92</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>400</Shared>
			<None>115</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVARTIS AG SPONSORED ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>66987V109</cusip>
		<value>1451</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20514</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12661</Sole>
			<Shared>0</Shared>
			<None>7853</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVARTIS AG SPONSORED ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>66987V109</cusip>
		<value>89</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1255</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>676</Sole>
			<Shared>73</Shared>
			<None>506</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVO NORDISK A/S ADR (DANISH)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>670100205</cusip>
		<value>304</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1961</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1155</Sole>
			<Shared>0</Shared>
			<None>806</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVO NORDISK A/S ADR (DANISH)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>670100205</cusip>
		<value>106</value>
		<shrsOrPrnAmt>
			<sshPrnamt>684</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>640</Sole>
			<Shared>0</Shared>
			<None>44</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUCOR CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670346105</cusip>
		<value>619</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14293</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9076</Sole>
			<Shared>0</Shared>
			<None>5217</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUCOR CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670346105</cusip>
		<value>171</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3957</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2715</Sole>
			<Shared>152</Shared>
			<None>1090</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>670657105</cusip>
		<value>55</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4234</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4234</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>670657105</cusip>
		<value>91</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7086</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7086</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670837103</cusip>
		<value>183</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2685</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2685</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>670837103</cusip>
		<value>61</value>
		<shrsOrPrnAmt>
			<sshPrnamt>895</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>395</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>67090N109</cusip>
		<value>52</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4625</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4625</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>67090N109</cusip>
		<value>181</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16185</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16185</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>670928100</cusip>
		<value>97</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10160</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9660</Sole>
			<Shared>0</Shared>
			<None>500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>670928100</cusip>
		<value>123</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>670984103</cusip>
		<value>113</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8106</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8106</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUVEEN</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>670984103</cusip>
		<value>44</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>3150</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OCCIDENTAL PETROLEUM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>674599105</cusip>
		<value>2087</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23385</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7879</Sole>
			<Shared>0</Shared>
			<None>15506</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OCCIDENTAL PETROLEUM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>674599105</cusip>
		<value>33</value>
		<shrsOrPrnAmt>
			<sshPrnamt>369</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>369</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OCCIDENTAL PETROLEUM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>674599105</cusip>
		<value>863</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9675</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2941</Sole>
			<Shared>573</Shared>
			<None>6161</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OCEANEERING</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>675232102</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3049</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3049</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OMNICOM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>681919106</cusip>
		<value>1251</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19227</Sole>
			<Shared>0</Shared>
			<None>675</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OMNICOM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>681919106</cusip>
		<value>33</value>
		<shrsOrPrnAmt>
			<sshPrnamt>527</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>527</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>OMNICOM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>681919106</cusip>
		<value>98</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1566</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1356</Sole>
			<Shared>0</Shared>
			<None>210</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>1229</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40021</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30339</Sole>
			<Shared>0</Shared>
			<None>9682</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>355</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11549</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9250</Sole>
			<Shared>510</Shared>
			<None>1789</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693475105</cusip>
		<value>1735</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23794</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9564</Sole>
			<Shared>0</Shared>
			<None>14230</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693475105</cusip>
		<value>25</value>
		<shrsOrPrnAmt>
			<sshPrnamt>337</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>337</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693475105</cusip>
		<value>622</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8533</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2618</Sole>
			<Shared>216</Shared>
			<None>5699</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693506107</cusip>
		<value>1660</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11336</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9626</Sole>
			<Shared>0</Shared>
			<None>1710</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>693506107</cusip>
		<value>492</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3360</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2840</Sole>
			<Shared>199</Shared>
			<None>321</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PPL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>69351T106</cusip>
		<value>532</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17578</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4949</Sole>
			<Shared>0</Shared>
			<None>12629</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PPL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>69351T106</cusip>
		<value>250</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8266</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2962</Sole>
			<Shared>284</Shared>
			<None>5020</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>696429307</cusip>
		<value>241</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3633</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1380</Sole>
			<Shared>0</Shared>
			<None>2253</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PALL CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>696429307</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>529</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>245</Sole>
			<Shared>284</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PARTNER COMMUNICATIONS CO</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>70211M109</cusip>
		<value>99</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>393</Sole>
			<Shared>0</Shared>
			<None>15326</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PARTNER COMMUNICATIONS CO</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>70211M109</cusip>
		<value>7</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1180</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>704326107</cusip>
		<value>493</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13503</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9709</Sole>
			<Shared>0</Shared>
			<None>3794</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>704326107</cusip>
		<value>244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4648</Sole>
			<Shared>330</Shared>
			<None>1693</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PENGROWTH</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>70706P104</cusip>
		<value>56</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10700</Sole>
			<Shared>0</Shared>
			<None>600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PENGROWTH</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>70706P104</cusip>
		<value>31</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6280</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6080</Sole>
			<Shared>0</Shared>
			<None>200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEOPLES UNITED FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>712704105</cusip>
		<value>197</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13242</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9710</Sole>
			<Shared>0</Shared>
			<None>3532</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEOPLES UNITED FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>712704105</cusip>
		<value>149</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9978</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8062</Sole>
			<Shared>555</Shared>
			<None>1361</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>4710</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57585</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35377</Sole>
			<Shared>0</Shared>
			<None>22208</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>332</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>332</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>1887</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23074</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>14084</Sole>
			<Shared>1265</Shared>
			<None>7725</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>7585</value>
		<shrsOrPrnAmt>
			<sshPrnamt>270780</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>208737</Sole>
			<Shared>0</Shared>
			<None>62043</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>2254</value>
		<shrsOrPrnAmt>
			<sshPrnamt>80484</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>51627</Sole>
			<Shared>5232</Shared>
			<None>23625</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>2960</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34169</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29109</Sole>
			<Shared>0</Shared>
			<None>5060</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>1635</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18878</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16011</Sole>
			<Shared>1231</Shared>
			<None>1636</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>579</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9820</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7705</Sole>
			<Shared>0</Shared>
			<None>2115</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>65</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1109</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>874</Sole>
			<Shared>62</Shared>
			<None>173</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PLAINS ALL AMERICAN PIPELINE LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>726503105</cusip>
		<value>230</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4120</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4120</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PLAINS ALL AMERICAN PIPELINE LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>726503105</cusip>
		<value>192</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3434</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2384</Sole>
			<Shared>1050</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PLUM CREEK TIMBER CO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>729251108</cusip>
		<value>333</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7132</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7086</Sole>
			<Shared>0</Shared>
			<None>46</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PLUM CREEK TIMBER CO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>729251108</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>750</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POTASH CORPORATION</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>73755L107</cusip>
		<value>263</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6899</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6305</Sole>
			<Shared>0</Shared>
			<None>594</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POTASH CORPORATION</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>73755L107</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>16</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935A104</cusip>
		<value>554</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7780</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7780</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935A104</cusip>
		<value>140</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1960</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>956</Sole>
			<Shared>1004</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935S105</cusip>
		<value>259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10322</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8882</Sole>
			<Shared>0</Shared>
			<None>1440</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935S105</cusip>
		<value>343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13667</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>11469</Sole>
			<Shared>1862</Shared>
			<None>336</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935X153</cusip>
		<value>73</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2338</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1493</Sole>
			<Shared>0</Shared>
			<None>845</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935X153</cusip>
		<value>264</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>5970</Shared>
			<None>2480</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935X575</cusip>
		<value>244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11065</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10880</Sole>
			<Shared>0</Shared>
			<None>185</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935X575</cusip>
		<value>47</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>2116</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935X716</cusip>
		<value>125</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7635</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2725</Sole>
			<Shared>0</Shared>
			<None>4910</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73935X716</cusip>
		<value>212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12940</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7675</Sole>
			<Shared>5265</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73936Q769</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8507</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4847</Sole>
			<Shared>0</Shared>
			<None>3660</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73936Q769</cusip>
		<value>98</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3953</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3953</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73936T573</cusip>
		<value>205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7507</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7507</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73936T573</cusip>
		<value>120</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4396</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4125</Sole>
			<Shared>0</Shared>
			<None>271</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73937B779</cusip>
		<value>72</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2316</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>701</Sole>
			<Shared>0</Shared>
			<None>1615</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>73937B779</cusip>
		<value>1651</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53064</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>51605</Sole>
			<Shared>0</Shared>
			<None>1459</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRAXAIR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74005P104</cusip>
		<value>813</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7062</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5679</Sole>
			<Shared>0</Shared>
			<None>1383</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRAXAIR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74005P104</cusip>
		<value>142</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1233</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1233</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRECISION CASTPARTS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>740189105</cusip>
		<value>228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1009</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>256</Sole>
			<Shared>0</Shared>
			<None>753</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRECISION CASTPARTS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>740189105</cusip>
		<value>112</value>
		<shrsOrPrnAmt>
			<sshPrnamt>496</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>170</Sole>
			<Shared>300</Shared>
			<None>26</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PREFORMED LINE PRODUCTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>740444104</cusip>
		<value>2281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRICELINE COM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>741503403</cusip>
		<value>300</value>
		<shrsOrPrnAmt>
			<sshPrnamt>363</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20</Sole>
			<Shared>0</Shared>
			<None>343</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRICELINE COM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>741503403</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>6899</value>
		<shrsOrPrnAmt>
			<sshPrnamt>89605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>64781</Sole>
			<Shared>0</Shared>
			<None>24824</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>31</value>
		<shrsOrPrnAmt>
			<sshPrnamt>399</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>399</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>3449</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>25362</Sole>
			<Shared>3795</Shared>
			<None>15643</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP (OHIO)</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>743315103</cusip>
		<value>900</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35406</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29518</Sole>
			<Shared>0</Shared>
			<None>5888</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP (OHIO)</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>743315103</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>174</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>124</Sole>
			<Shared>0</Shared>
			<None>50</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROLOGIS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74340W103</cusip>
		<value>462</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12238</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12238</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROLOGIS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74340W103</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>709</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>709</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROLOGIS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74340W103</cusip>
		<value>189</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5010</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>123</Sole>
			<Shared>197</Shared>
			<None>4690</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSHARES TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>74347R503</cusip>
		<value>238</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>PROSHARES</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>74347X849</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROSPECT CAPITAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74348T102</cusip>
		<value>11</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>PROSPECT CAPITAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74348T102</cusip>
		<value>146</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13550</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>482</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6596</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4789</Sole>
			<Shared>0</Shared>
			<None>1807</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>323</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4419</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3514</Sole>
			<Shared>0</Shared>
			<None>905</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74460D109</cusip>
		<value>122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>797</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>797</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74460D109</cusip>
		<value>144</value>
		<shrsOrPrnAmt>
			<sshPrnamt>940</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>860</Sole>
			<Shared>0</Shared>
			<None>80</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUTNAM MANAGED MUNICIPAL INCOME</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>746823103</cusip>
		<value>46</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6430</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6430</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUTNAM MANAGED MUNICIPAL INCOME</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>746823103</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUTNAM PREMIER INCOME TRUST SH</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>746853100</cusip>
		<value>120</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22452</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22452</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PUTNAM PREMIER INCOME TRUST SH</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>746853100</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5058</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5058</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74734R108</cusip>
		<value>44</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2478</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2478</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74734R108</cusip>
		<value>181</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8300</Sole>
			<Shared>2000</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>2394</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29634</Sole>
			<Shared>0</Shared>
			<None>9561</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>557</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9110</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7492</Sole>
			<Shared>141</Shared>
			<None>1477</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYMOND JAMES FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>754730109</cusip>
		<value>6218</value>
		<shrsOrPrnAmt>
			<sshPrnamt>144671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>131826</Sole>
			<Shared>0</Shared>
			<None>12845</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYMOND JAMES FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>754730109</cusip>
		<value>386</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8978</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1343</Sole>
			<Shared>500</Shared>
			<None>7135</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYONIER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>754907103</cusip>
		<value>475</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8575</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7323</Sole>
			<Shared>0</Shared>
			<None>1252</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYONIER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>754907103</cusip>
		<value>64</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1161</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1070</Sole>
			<Shared>0</Shared>
			<None>91</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYTHEON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>755111507</cusip>
		<value>519</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7844</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4242</Sole>
			<Shared>0</Shared>
			<None>3602</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYTHEON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>755111507</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>132</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>132</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RAYTHEON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>755111507</cusip>
		<value>197</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2984</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1500</Sole>
			<Shared>306</Shared>
			<None>1178</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REALTY INCOME</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>756109104</cusip>
		<value>360</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8594</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8556</Sole>
			<Shared>0</Shared>
			<None>38</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REALTY INCOME</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>756109104</cusip>
		<value>146</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3480</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2600</Sole>
			<Shared>880</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REGAL ENTERTAINMENT GROUP CLASS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>758766109</cusip>
		<value>1196</value>
		<shrsOrPrnAmt>
			<sshPrnamt>66816</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1930</Sole>
			<Shared>0</Shared>
			<None>64886</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REGAL ENTERTAINMENT GROUP CLASS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>758766109</cusip>
		<value>615</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34340</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2736</Sole>
			<Shared>1410</Shared>
			<None>30194</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>7591EP100</cusip>
		<value>387</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40625</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36226</Sole>
			<Shared>0</Shared>
			<None>4399</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>7591EP100</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3824</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2900</Sole>
			<Shared>359</Shared>
			<None>565</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REPUBLIC SERVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>760759100</cusip>
		<value>150</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4424</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1600</Sole>
			<Shared>0</Shared>
			<None>2824</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REPUBLIC SERVICES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>760759100</cusip>
		<value>54</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1603</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1603</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REYNOLDS AMERICAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>761713106</cusip>
		<value>845</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17470</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6316</Sole>
			<Shared>0</Shared>
			<None>11154</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>REYNOLDS AMERICAN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>761713106</cusip>
		<value>235</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4866</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>229</Shared>
			<None>4637</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>767204100</cusip>
		<value>619</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15066</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14077</Sole>
			<Shared>0</Shared>
			<None>989</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>767204100</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>37</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROSS STORES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>778296103</cusip>
		<value>858</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13238</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12135</Sole>
			<Shared>0</Shared>
			<None>1103</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROSS STORES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>778296103</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>154</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>90</Sole>
			<Shared>0</Shared>
			<None>64</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYAL DUTCH SHELL</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>780259107</cusip>
		<value>391</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5898</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>864</Sole>
			<Shared>0</Shared>
			<None>5034</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYAL DUTCH SHELL</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>780259107</cusip>
		<value>178</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2689</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2689</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYAL DUTCH SHELL</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>780259206</cusip>
		<value>1396</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21888</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18068</Sole>
			<Shared>0</Shared>
			<None>3820</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYAL DUTCH SHELL</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>780259206</cusip>
		<value>524</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8214</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6405</Sole>
			<Shared>817</Shared>
			<None>992</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYCE VALUE TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>780910105</cusip>
		<value>108</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7120</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4905</Sole>
			<Shared>0</Shared>
			<None>2215</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ROYCE VALUE TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>780910105</cusip>
		<value>46</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3025</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3025</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RYDEX</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78355W106</cusip>
		<value>461</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7526</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7526</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RYDEX</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78355W106</cusip>
		<value>243</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3965</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3965</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78462F103</cusip>
		<value>2879</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17946</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16919</Sole>
			<Shared>0</Shared>
			<None>1027</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78462F103</cusip>
		<value>482</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3007</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1842</Sole>
			<Shared>690</Shared>
			<None>475</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78463V107</cusip>
		<value>331</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2783</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2783</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78463V107</cusip>
		<value>598</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5020</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4545</Sole>
			<Shared>475</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78463X749</cusip>
		<value>336</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7985</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3948</Sole>
			<Shared>0</Shared>
			<None>4037</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78463X749</cusip>
		<value>442</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10513</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9115</Sole>
			<Shared>945</Shared>
			<None>453</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78463X772</cusip>
		<value>4025</value>
		<shrsOrPrnAmt>
			<sshPrnamt>92221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>86766</Sole>
			<Shared>0</Shared>
			<None>5455</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78463X772</cusip>
		<value>637</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14594</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>13209</Sole>
			<Shared>0</Shared>
			<None>1385</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A417</cusip>
		<value>11533</value>
		<shrsOrPrnAmt>
			<sshPrnamt>292038</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>281881</Sole>
			<Shared>0</Shared>
			<None>10157</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A417</cusip>
		<value>12</value>
		<shrsOrPrnAmt>
			<sshPrnamt>300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A417</cusip>
		<value>316</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8001</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6711</Sole>
			<Shared>0</Shared>
			<None>1290</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A425</cusip>
		<value>161</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6746</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1746</Sole>
			<Shared>0</Shared>
			<None>5000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A425</cusip>
		<value>50</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A516</cusip>
		<value>127</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1057</Sole>
			<Shared>0</Shared>
			<None>1193</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A516</cusip>
		<value>115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2038</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2038</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A607</cusip>
		<value>454</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5976</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4576</Sole>
			<Shared>0</Shared>
			<None>1400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A607</cusip>
		<value>19</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>250</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A763</cusip>
		<value>1592</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24014</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19271</Sole>
			<Shared>0</Shared>
			<None>4743</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A763</cusip>
		<value>480</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7238</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6703</Sole>
			<Shared>0</Shared>
			<None>535</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78464A870</cusip>
		<value>206</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1973</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1973</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78467X109</cusip>
		<value>170</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1144</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1144</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78467X109</cusip>
		<value>149</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78467Y107</cusip>
		<value>1396</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6645</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3847</Sole>
			<Shared>0</Shared>
			<None>2798</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>78467Y107</cusip>
		<value>227</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1081</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>842</Sole>
			<Shared>0</Shared>
			<None>239</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SAFEWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>786514208</cusip>
		<value>174</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7361</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>175</Sole>
			<Shared>0</Shared>
			<None>7186</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SAFEWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>786514208</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1155</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1155</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ST JUDE MEDICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>790849103</cusip>
		<value>771</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16904</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>156</Sole>
			<Shared>0</Shared>
			<None>16748</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ST JUDE MEDICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>790849103</cusip>
		<value>34</value>
		<shrsOrPrnAmt>
			<sshPrnamt>740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>740</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ST JUDE MEDICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>790849103</cusip>
		<value>357</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7814</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>299</Sole>
			<Shared>344</Shared>
			<None>7171</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SALLY BEAUTY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79546E104</cusip>
		<value>316</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10163</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10163</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SANDERSON FARMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>800013104</cusip>
		<value>675</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10000</Sole>
			<Shared>0</Shared>
			<None>165</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SAN DISK CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>80004C101</cusip>
		<value>216</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3535</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1592</Sole>
			<Shared>0</Shared>
			<None>1943</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SAN DISK CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>80004C101</cusip>
		<value>21</value>
		<shrsOrPrnAmt>
			<sshPrnamt>337</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>55</Sole>
			<Shared>282</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SANOFI</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>80105N105</cusip>
		<value>1549</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30074</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18569</Sole>
			<Shared>0</Shared>
			<None>11505</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SANOFI</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>80105N105</cusip>
		<value>121</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2354</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>826</Sole>
			<Shared>90</Shared>
			<None>1438</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SAP AKTIENGESELLSCHAFT</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>803054204</cusip>
		<value>214</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2939</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>72</Sole>
			<Shared>0</Shared>
			<None>2867</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SAP AKTIENGESELLSCHAFT</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>803054204</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>137</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>137</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>806857108</cusip>
		<value>2842</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39656</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34718</Sole>
			<Shared>0</Shared>
			<None>4938</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>806857108</cusip>
		<value>384</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3894</Sole>
			<Shared>1054</Shared>
			<None>417</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARLES SCHWAB CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>808513105</cusip>
		<value>206</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9712</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1989</Sole>
			<Shared>0</Shared>
			<None>7723</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARLES SCHWAB CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>808513105</cusip>
		<value>22</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1022</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>522</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SECTOR SPDR TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>81369Y308</cusip>
		<value>313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7896</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7896</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SECTOR SPDR TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>81369Y803</cusip>
		<value>156</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5091</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5091</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SECTOR SPDR TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>81369Y803</cusip>
		<value>49</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SECTOR SPDR TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>81369Y886</cusip>
		<value>107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2837</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2837</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SECTOR SPDR TRUST</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>81369Y886</cusip>
		<value>177</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4703</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4703</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SENIOR HOUSING PROPERTIES TRUST</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81721M109</cusip>
		<value>295</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11395</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3550</Sole>
			<Shared>0</Shared>
			<None>7845</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SENIOR HOUSING PROPERTIES TRUST</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>81721M109</cusip>
		<value>207</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7969</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4725</Sole>
			<Shared>0</Shared>
			<None>3244</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHERWIN-WILLIAMS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>824348106</cusip>
		<value>295</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1673</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>238</Sole>
			<Shared>0</Shared>
			<None>1435</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SHERWIN-WILLIAMS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>824348106</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>150</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIGMA ALDRICH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>826552101</cusip>
		<value>420</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5220</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4170</Sole>
			<Shared>0</Shared>
			<None>1050</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIGMA ALDRICH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>826552101</cusip>
		<value>74</value>
		<shrsOrPrnAmt>
			<sshPrnamt>925</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>865</Sole>
			<Shared>0</Shared>
			<None>60</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIGNATURE BANK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>82669G104</cusip>
		<value>198</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2386</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>120</Sole>
			<Shared>0</Shared>
			<None>2266</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIGNATURE BANK</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>82669G104</cusip>
		<value>5</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>29</Shared>
			<None>35</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>749</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4742</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1</Sole>
			<Shared>0</Shared>
			<None>4741</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP LP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>296</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1873</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>45</Sole>
			<Shared>75</Shared>
			<None>1753</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIRIUS XM RADIO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>82967N108</cusip>
		<value>72</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21601</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>20601</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SMUCKER J M CO COM NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>832696405</cusip>
		<value>1956</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18962</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16323</Sole>
			<Shared>0</Shared>
			<None>2639</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SMUCKER J M CO COM NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>832696405</cusip>
		<value>171</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1660</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1145</Sole>
			<Shared>0</Shared>
			<None>515</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>842587107</cusip>
		<value>3186</value>
		<shrsOrPrnAmt>
			<sshPrnamt>72204</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>56837</Sole>
			<Shared>0</Shared>
			<None>15367</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>842587107</cusip>
		<value>1120</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25373</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>19352</Sole>
			<Shared>739</Shared>
			<None>5282</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPECTRA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>847560109</cusip>
		<value>676</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19617</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18401</Sole>
			<Shared>0</Shared>
			<None>1216</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPECTRA ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>847560109</cusip>
		<value>399</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11592</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10461</Sole>
			<Shared>325</Shared>
			<None>806</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>854502101</cusip>
		<value>265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3432</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3432</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STANLEY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>854502101</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>255</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>255</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STAPLES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855030102</cusip>
		<value>261</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16418</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8397</Sole>
			<Shared>0</Shared>
			<None>8021</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STAPLES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855030102</cusip>
		<value>90</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5668</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>4468</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>245</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3735</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>699</Sole>
			<Shared>0</Shared>
			<None>3036</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>76</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1156</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1100</Sole>
			<Shared>0</Shared>
			<None>56</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>857477103</cusip>
		<value>204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3131</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1334</Sole>
			<Shared>0</Shared>
			<None>1797</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>857477103</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
			<sshPrnamt>449</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>163</Sole>
			<Shared>200</Shared>
			<None>86</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STONEMOR PARTNERS L P COM UNITS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>86183Q100</cusip>
		<value>186</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7391</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5691</Sole>
			<Shared>0</Shared>
			<None>1700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STONEMOR PARTNERS L P COM UNITS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>86183Q100</cusip>
		<value>75</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STRYKER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>863667101</cusip>
		<value>992</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15333</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13885</Sole>
			<Shared>0</Shared>
			<None>1448</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STRYKER CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>863667101</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
			<sshPrnamt>453</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>396</Sole>
			<Shared>0</Shared>
			<None>57</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SUBURBAN PROPANE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>864482104</cusip>
		<value>59</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1271</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1271</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SUBURBAN PROPANE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>864482104</cusip>
		<value>167</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3587</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3437</Sole>
			<Shared>150</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SUNTRUST BANKS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>867914103</cusip>
		<value>390</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12363</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9199</Sole>
			<Shared>0</Shared>
			<None>3164</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SUNTRUST BANKS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>867914103</cusip>
		<value>57</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1795</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1250</Sole>
			<Shared>220</Shared>
			<None>325</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SUPERIOR ENERGY SVCS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>868157108</cusip>
		<value>196</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6120</Sole>
			<Shared>0</Shared>
			<None>1435</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SUPERIOR ENERGY SVCS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>868157108</cusip>
		<value>5</value>
		<shrsOrPrnAmt>
			<sshPrnamt>193</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>193</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SYSCO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>871829107</cusip>
		<value>1511</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44222</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13940</Sole>
			<Shared>0</Shared>
			<None>30282</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SYSCO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>871829107</cusip>
		<value>542</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15853</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>452</Sole>
			<Shared>522</Shared>
			<None>14879</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TECO ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872375100</cusip>
		<value>260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9210</Sole>
			<Shared>0</Shared>
			<None>5906</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TECO ENERGY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872375100</cusip>
		<value>86</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4980</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>779</Shared>
			<None>4201</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TICC CAPITAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87244T109</cusip>
		<value>100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10345</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>10345</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872540109</cusip>
		<value>447</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8931</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3955</Sole>
			<Shared>0</Shared>
			<None>4976</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>872540109</cusip>
		<value>63</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1249</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>50</Shared>
			<None>1199</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAL INTERNATIONAL GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>874083108</cusip>
		<value>97</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2230</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TAL INTERNATIONAL GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>874083108</cusip>
		<value>147</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3372</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3372</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TARGET</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>2779</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40359</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32608</Sole>
			<Shared>0</Shared>
			<None>7751</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TARGET</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>401</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5826</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4068</Sole>
			<Shared>140</Shared>
			<None>1618</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEMPLETON GLOBAL INCOME FUND INC</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>880198106</cusip>
		<value>132</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15260</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15260</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEMPLETON GLOBAL INCOME FUND INC</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>880198106</cusip>
		<value>43</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4925</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4925</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEVA PHARMACEUTICAL INDUSTRIES</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>881624209</cusip>
		<value>238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6074</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4903</Sole>
			<Shared>0</Shared>
			<None>1171</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEVA PHARMACEUTICAL INDUSTRIES</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>881624209</cusip>
		<value>77</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1966</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1951</Sole>
			<Shared>0</Shared>
			<None>15</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>330</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9461</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6735</Sole>
			<Shared>0</Shared>
			<None>2726</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>882508104</cusip>
		<value>124</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3572</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3082</Sole>
			<Shared>145</Shared>
			<None>345</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>431</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5097</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3268</Sole>
			<Shared>0</Shared>
			<None>1829</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>269</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3182</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2592</Sole>
			<Shared>143</Shared>
			<None>447</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THOR INDUSTRIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>885160101</cusip>
		<value>197</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4005</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THOR INDUSTRIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>885160101</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
			<sshPrnamt>595</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>595</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>3M CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>4001</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36587</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23181</Sole>
			<Shared>0</Shared>
			<None>13406</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>3M CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>1517</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6940</Sole>
			<Shared>2368</Shared>
			<None>4564</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TIME WARNER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>887317303</cusip>
		<value>303</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5243</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>933</Sole>
			<Shared>0</Shared>
			<None>4310</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TIME WARNER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>887317303</cusip>
		<value>163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2827</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>800</Sole>
			<Shared>401</Shared>
			<None>1626</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TOTAL S.A. SPONSORED ADRS</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>89151E109</cusip>
		<value>1965</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40341</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9913</Sole>
			<Shared>0</Shared>
			<None>30428</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TOTAL S.A. SPONSORED ADRS</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>89151E109</cusip>
		<value>911</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18706</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3981</Sole>
			<Shared>901</Shared>
			<None>13824</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADR TOYOTA MOTOR CORP ADR 2</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>892331307</cusip>
		<value>240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1987</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>67</Sole>
			<Shared>0</Shared>
			<None>1920</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADR TOYOTA MOTOR CORP ADR 2</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>892331307</cusip>
		<value>18</value>
		<shrsOrPrnAmt>
			<sshPrnamt>153</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>153</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRAVELERS COMPANIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89417E109</cusip>
		<value>1658</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20752</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16306</Sole>
			<Shared>0</Shared>
			<None>4446</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRAVELERS COMPANIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>89417E109</cusip>
		<value>468</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5856</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4880</Sole>
			<Shared>458</Shared>
			<None>518</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRINITY INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>896522109</cusip>
		<value>232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>190</Sole>
			<Shared>0</Shared>
			<None>5850</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRINITY INDUSTRIES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>896522109</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>915</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>915</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TUPPERWARE CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>899896104</cusip>
		<value>238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3060</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2280</Sole>
			<Shared>0</Shared>
			<None>780</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TUPPERWARE CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>899896104</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>U G I CORP NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902681105</cusip>
		<value>76</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1934</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1634</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>U G I CORP NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902681105</cusip>
		<value>141</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>907</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25092</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14734</Sole>
			<Shared>0</Shared>
			<None>10358</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>US BANCORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902973304</cusip>
		<value>497</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13753</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9168</Sole>
			<Shared>0</Shared>
			<None>4585</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>URS CORPORATION NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>903236107</cusip>
		<value>275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5816</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5816</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>URS CORPORATION NEW</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>903236107</cusip>
		<value>44</value>
		<shrsOrPrnAmt>
			<sshPrnamt>928</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>113</Shared>
			<None>815</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNILEVER PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>904767704</cusip>
		<value>457</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4631</Sole>
			<Shared>0</Shared>
			<None>6670</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNILEVER PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>904767704</cusip>
		<value>130</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3214</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1045</Sole>
			<Shared>960</Shared>
			<None>1209</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNILEVER NV</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>904784709</cusip>
		<value>382</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9716</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3567</Sole>
			<Shared>0</Shared>
			<None>6149</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNILEVER NV</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>904784709</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>881</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>321</Sole>
			<Shared>200</Shared>
			<None>360</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90662P104</cusip>
		<value>243</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11797</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11797</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>2751</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17834</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14194</Sole>
			<Shared>0</Shared>
			<None>3640</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>230</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>907818108</cusip>
		<value>390</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2525</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2297</Sole>
			<Shared>33</Shared>
			<None>195</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911312106</cusip>
		<value>1472</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17026</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12038</Sole>
			<Shared>0</Shared>
			<None>4988</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911312106</cusip>
		<value>345</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3990</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1875</Sole>
			<Shared>490</Shared>
			<None>1625</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>913017109</cusip>
		<value>6937</value>
		<shrsOrPrnAmt>
			<sshPrnamt>74637</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59659</Sole>
			<Shared>0</Shared>
			<None>14978</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>913017109</cusip>
		<value>31</value>
		<shrsOrPrnAmt>
			<sshPrnamt>337</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>337</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>913017109</cusip>
		<value>859</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9243</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2896</Sole>
			<Shared>1154</Shared>
			<None>5193</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED HEALTH GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
		<value>1475</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22533</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14647</Sole>
			<Shared>0</Shared>
			<None>7886</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED HEALTH GROUP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
		<value>310</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4731</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2004</Sole>
			<Shared>645</Shared>
			<None>2082</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNIVERSAL HEALTH SERVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>913903100</cusip>
		<value>239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3564</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>2564</None>
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	<infoTable>
		<nameOfIssuer>UNIVERSAL HEALTH SERVICES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>913903100</cusip>
		<value>44</value>
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			<sshPrnamt>659</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>659</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNUM PROVIDENT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91529Y106</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>7375</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1456</Sole>
			<Shared>0</Shared>
			<None>5919</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNUM PROVIDENT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91529Y106</cusip>
		<value>51</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
			<Shared>0</Shared>
			<None>1449</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>V F CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>918204108</cusip>
		<value>1464</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7584</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6745</Sole>
			<Shared>0</Shared>
			<None>839</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>V F CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>918204108</cusip>
		<value>285</value>
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			<sshPrnamt>1478</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<Sole>1460</Sole>
			<Shared>18</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VALERO ENERGY CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91913Y100</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>7213</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2805</Sole>
			<Shared>0</Shared>
			<None>4408</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VALERO ENERGY CORPORATION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91913Y100</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>4313</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2400</Sole>
			<Shared>188</Shared>
			<None>1725</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921908844</cusip>
		<value>1041</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15732</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15732</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921908844</cusip>
		<value>293</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4423</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3327</Sole>
			<Shared>1096</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921937819</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2651</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2651</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921937819</cusip>
		<value>128</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1529</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1529</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921937827</cusip>
		<value>329</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4108</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4108</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921937827</cusip>
		<value>19</value>
		<shrsOrPrnAmt>
			<sshPrnamt>235</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>235</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921937835</cusip>
		<value>478</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5913</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5778</Sole>
			<Shared>0</Shared>
			<None>135</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921937835</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3286</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2685</Sole>
			<Shared>273</Shared>
			<None>328</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921943858</cusip>
		<value>247</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6941</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5561</Sole>
			<Shared>0</Shared>
			<None>1380</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921943858</cusip>
		<value>151</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>279</Sole>
			<Shared>0</Shared>
			<None>3971</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921946406</cusip>
		<value>274</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4856</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4856</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>921946406</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>64</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922042775</cusip>
		<value>95</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2155</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2155</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922042775</cusip>
		<value>155</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3501</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2616</Sole>
			<Shared>193</Shared>
			<None>692</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922042858</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>15453</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14971</Sole>
			<Shared>0</Shared>
			<None>482</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922042858</cusip>
		<value>407</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10502</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>7620</Sole>
			<Shared>1625</Shared>
			<None>1257</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922042866</cusip>
		<value>175</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3127</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3127</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922042866</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
			<sshPrnamt>527</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>527</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922042874</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4585</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2360</Sole>
			<Shared>0</Shared>
			<None>2225</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922042874</cusip>
		<value>318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6611</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1276</Sole>
			<Shared>0</Shared>
			<None>5335</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>92204A207</cusip>
		<value>597</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5851</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5851</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>92206C409</cusip>
		<value>259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3270</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1530</Sole>
			<Shared>0</Shared>
			<None>1740</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>92206C409</cusip>
		<value>106</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1341</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1341</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908553</cusip>
		<value>614</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8935</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6996</Sole>
			<Shared>0</Shared>
			<None>1939</None>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908553</cusip>
		<value>82</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1195</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908611</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>17250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17250</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908611</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>233</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>233</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908629</cusip>
		<value>203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2135</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2135</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908629</cusip>
		<value>134</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1405</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1405</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908637</cusip>
		<value>115</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1570</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>736</Sole>
			<Shared>0</Shared>
			<None>834</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908637</cusip>
		<value>184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2509</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908769</cusip>
		<value>867</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10491</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9856</Sole>
			<Shared>0</Shared>
			<None>635</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>922908769</cusip>
		<value>271</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3283</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1566</Sole>
			<Shared>1717</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>5918</value>
		<shrsOrPrnAmt>
			<sshPrnamt>117566</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>91972</Sole>
			<Shared>0</Shared>
			<None>25594</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>35</value>
		<shrsOrPrnAmt>
			<sshPrnamt>692</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>692</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERIZON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92343V104</cusip>
		<value>2291</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45510</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>34426</Sole>
			<Shared>1692</Shared>
			<None>9392</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERTEX PHARMACEUTICALS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92532F100</cusip>
		<value>226</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2826</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>879</Sole>
			<Shared>0</Shared>
			<None>1947</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VERTEX PHARMACEUTICALS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92532F100</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>341</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>25</Sole>
			<Shared>223</Shared>
			<None>93</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VIACOM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92553P201</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3239</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1479</Sole>
			<Shared>0</Shared>
			<None>1760</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>2061</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11279</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7303</Sole>
			<Shared>0</Shared>
			<None>3976</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>333</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1821</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1004</Sole>
			<Shared>401</Shared>
			<None>416</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VODAFONE GROUP PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>92857W209</cusip>
		<value>957</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33284</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10496</Sole>
			<Shared>0</Shared>
			<None>22788</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VODAFONE GROUP PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>92857W209</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>512</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>512</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VODAFONE GROUP PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>92857W209</cusip>
		<value>557</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19385</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8183</Sole>
			<Shared>1157</Shared>
			<None>10045</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>W P CAREY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92936U109</cusip>
		<value>163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2457</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2457</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>W P CAREY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92936U109</cusip>
		<value>172</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931142103</cusip>
		<value>2610</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35038</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26815</Sole>
			<Shared>0</Shared>
			<None>8223</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931142103</cusip>
		<value>695</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9324</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6050</Sole>
			<Shared>1673</Shared>
			<None>1601</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALGREEN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931422109</cusip>
		<value>983</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22242</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14393</Sole>
			<Shared>0</Shared>
			<None>7849</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALGREEN CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>931422109</cusip>
		<value>453</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10241</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8178</Sole>
			<Shared>300</Shared>
			<None>1763</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>94106L109</cusip>
		<value>689</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17081</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11759</Sole>
			<Shared>0</Shared>
			<None>5322</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>94106L109</cusip>
		<value>216</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5345</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2595</Sole>
			<Shared>697</Shared>
			<None>2053</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>6356</value>
		<shrsOrPrnAmt>
			<sshPrnamt>154021</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>97016</Sole>
			<Shared>0</Shared>
			<None>57005</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1009</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1009</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>1695</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41068</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>21176</Sole>
			<Shared>2012</Shared>
			<None>17880</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WENDYS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>95058W100</cusip>
		<value>64</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11011</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10000</Sole>
			<Shared>0</Shared>
			<None>1011</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN ASSET</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>95766A101</cusip>
		<value>28</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1534</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1534</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN ASSET</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>95766A101</cusip>
		<value>224</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>12145</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN ASSET</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>95766E103</cusip>
		<value>60</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN ASSET</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>95766E103</cusip>
		<value>73</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>5500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN ASSET</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>95766K109</cusip>
		<value>55</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1400</Sole>
			<Shared>0</Shared>
			<None>7832</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN ASSET</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>95766K109</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1507</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1507</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN ASSET</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>95766P108</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1122</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1122</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN ASSET</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>95766P108</cusip>
		<value>219</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>8450</Sole>
			<Shared>0</Shared>
			<None>6215</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN DIGITAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>958102105</cusip>
		<value>163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2631</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>185</Sole>
			<Shared>0</Shared>
			<None>2446</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN DIGITAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>958102105</cusip>
		<value>92</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1475</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN UNION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>959802109</cusip>
		<value>335</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19571</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1621</Sole>
			<Shared>0</Shared>
			<None>17950</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WESTERN UNION</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>959802109</cusip>
		<value>131</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7654</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1605</Sole>
			<Shared>0</Shared>
			<None>6049</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WEYERHAEUSER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>962166104</cusip>
		<value>152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5323</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2111</Sole>
			<Shared>0</Shared>
			<None>3212</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WEYERHAEUSER</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>962166104</cusip>
		<value>68</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2403</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1465</Sole>
			<Shared>177</Shared>
			<None>761</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WIDEPOINT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>967590100</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WILLIAMS COMPANIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>969457100</cusip>
		<value>185</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5687</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4169</Sole>
			<Shared>0</Shared>
			<None>1518</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WILLIAMS COMPANIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>969457100</cusip>
		<value>16</value>
		<shrsOrPrnAmt>
			<sshPrnamt>500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WILLIAMS PARTNERS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>96950F104</cusip>
		<value>309</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5984</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3400</Sole>
			<Shared>0</Shared>
			<None>2584</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WILLIAMS PARTNERS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>96950F104</cusip>
		<value>207</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4002</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2687</Sole>
			<Shared>0</Shared>
			<None>1315</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WINDSTREAM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>97381W104</cusip>
		<value>100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13008</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12607</Sole>
			<Shared>0</Shared>
			<None>401</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WINDSTREAM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>97381W104</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1931</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1931</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISCONSIN ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>976657106</cusip>
		<value>47</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1147</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>487</Sole>
			<Shared>0</Shared>
			<None>660</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISCONSIN ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>976657106</cusip>
		<value>187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3950</Sole>
			<Shared>170</Shared>
			<None>445</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>97717W307</cusip>
		<value>326</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5454</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>4454</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>97717W307</cusip>
		<value>248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4145</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>97717W851</cusip>
		<value>205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4504</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WISDOMTREE</nameOfIssuer>
		<titleOfClass>ETF / CLOSED EN</titleOfClass>
		<cusip>97717W851</cusip>
		<value>321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7041</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7041</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WYNDHAM WORLDWIDE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98310W108</cusip>
		<value>174</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3032</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>106</Sole>
			<Shared>0</Shared>
			<None>2926</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WYNDHAM WORLDWIDE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98310W108</cusip>
		<value>37</value>
		<shrsOrPrnAmt>
			<sshPrnamt>641</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>641</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>988498101</cusip>
		<value>224</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3235</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3082</Sole>
			<Shared>0</Shared>
			<None>153</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>988498101</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>220</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>220</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2171</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1080</Sole>
			<Shared>0</Shared>
			<None>1091</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>33</value>
		<shrsOrPrnAmt>
			<sshPrnamt>440</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>440</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>138</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1842</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1505</Sole>
			<Shared>280</Shared>
			<None>57</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>2905</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40366</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33387</Sole>
			<Shared>0</Shared>
			<None>6979</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>345</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4790</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4476</Sole>
			<Shared>245</Shared>
			<None>69</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COVIDIEN</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G2554F113</cusip>
		<value>1135</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18060</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15667</Sole>
			<Shared>0</Shared>
			<None>2393</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COVIDIEN</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G2554F113</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
			<sshPrnamt>456</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>456</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COVIDIEN</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G2554F113</cusip>
		<value>98</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1557</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1220</Sole>
			<Shared>175</Shared>
			<None>162</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>578</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8778</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5883</Sole>
			<Shared>0</Shared>
			<None>2895</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>43</value>
		<shrsOrPrnAmt>
			<sshPrnamt>652</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>652</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>156</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2374</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2100</Sole>
			<Shared>158</Shared>
			<None>116</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EVEREST RE GROUP LTD (BERMUDA)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G3223R108</cusip>
		<value>1128</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8796</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8270</Sole>
			<Shared>0</Shared>
			<None>526</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EVEREST RE GROUP LTD (BERMUDA)</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G3223R108</cusip>
		<value>150</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1173</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>705</Sole>
			<Shared>0</Shared>
			<None>468</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G47791101</cusip>
		<value>1054</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18985</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18675</Sole>
			<Shared>0</Shared>
			<None>310</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G47791101</cusip>
		<value>117</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2110</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2110</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SEADRILL</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G7945E105</cusip>
		<value>210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5150</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G7945M107</cusip>
		<value>420</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9371</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5016</Sole>
			<Shared>0</Shared>
			<None>4355</None>
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	<infoTable>
		<nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>G7945M107</cusip>
		<value>44</value>
		<shrsOrPrnAmt>
			<sshPrnamt>971</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>100</Sole>
			<Shared>841</Shared>
			<None>30</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ACE</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>H0023R105</cusip>
		<value>519</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5805</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5212</Sole>
			<Shared>0</Shared>
			<None>593</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACE</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>H0023R105</cusip>
		<value>21</value>
		<shrsOrPrnAmt>
			<sshPrnamt>234</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>77</Sole>
			<Shared>65</Shared>
			<None>92</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WEATHERFORD INTERNATIONAL</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>H27013103</cusip>
		<value>249</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8127</Sole>
			<Shared>0</Shared>
			<None>10043</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WEATHERFORD INTERNATIONAL</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>H27013103</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2654</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>390</Sole>
			<Shared>2123</Shared>
			<None>141</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TE</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>H84989104</cusip>
		<value>311</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6826</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2692</Sole>
			<Shared>0</Shared>
			<None>4134</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TE</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>H84989104</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>572</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>90</Sole>
			<Shared>438</Shared>
			<None>44</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TYCO</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>H89128104</cusip>
		<value>1227</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37245</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4261</Sole>
			<Shared>0</Shared>
			<None>32984</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TYCO</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>H89128104</cusip>
		<value>496</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15052</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1276</Sole>
			<Shared>1144</Shared>
			<None>12632</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHECK POINT SOFTWARE</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>M22465104</cusip>
		<value>185</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3729</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>307</Sole>
			<Shared>0</Shared>
			<None>3422</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHECK POINT SOFTWARE</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>M22465104</cusip>
		<value>79</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1582</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1320</Sole>
			<Shared>0</Shared>
			<None>262</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEEKAY LNG PARTNERS LP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>Y8564M105</cusip>
		<value>118</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2700</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEEKAY LNG PARTNERS LP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>Y8564M105</cusip>
		<value>31</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>TEEKAY LNG PARTNERS LP</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK/A</titleOfClass>
		<cusip>Y8564M105</cusip>
		<value>96</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1800</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEEKAY OFFSHORE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>Y8565J101</cusip>
		<value>232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7135</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7135</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEEKAY OFFSHORE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>Y8565J101</cusip>
		<value>265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8175</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3115</Sole>
			<Shared>5060</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
</informationTable>
