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            <sshPrnamt>7659</sshPrnamt>
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    <infoTable>
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        <titleOfClass>COMMON</titleOfClass>
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            <sshPrnamt>4487</sshPrnamt>
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            <Sole>4487</Sole>
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        <titleOfClass>COMMON</titleOfClass>
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            <sshPrnamt>7593</sshPrnamt>
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        <votingAuthority>
            <Sole>7593</Sole>
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            <None>0</None>
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        <titleOfClass>COMMON</titleOfClass>
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            <sshPrnamt>4920</sshPrnamt>
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            <Sole>4920</Sole>
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            <sshPrnamt>623</sshPrnamt>
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        <votingAuthority>
            <Sole>623</Sole>
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            <None>0</None>
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        <nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>009158106</cusip>
        <value>252</value>
        <shrsOrPrnAmt>
            <sshPrnamt>817</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <votingAuthority>
            <Sole>817</Sole>
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            <None>0</None>
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    <infoTable>
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        <votingAuthority>
            <Sole>100</Sole>
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            <None>0</None>
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        <nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
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        <cusip>02079K305</cusip>
        <value>1308</value>
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            <sshPrnamt>14820</sshPrnamt>
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        <votingAuthority>
            <Sole>14820</Sole>
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            <None>0</None>
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    <infoTable>
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        <titleOfClass>COMMON</titleOfClass>
        <cusip>02079K305</cusip>
        <value>62</value>
        <shrsOrPrnAmt>
            <sshPrnamt>700</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <votingAuthority>
            <Sole>700</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>02079K107</cusip>
        <value>625</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7040</sshPrnamt>
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        <votingAuthority>
            <Sole>7040</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>02079K107</cusip>
        <value>62</value>
        <shrsOrPrnAmt>
            <sshPrnamt>700</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>700</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>02209S103</cusip>
        <value>729</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15950</sshPrnamt>
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            <Sole>15950</Sole>
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            <None>0</None>
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        <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>02209S103</cusip>
        <value>214</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4688</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4688</Sole>
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            <None>0</None>
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        <nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>023135106</cusip>
        <value>772</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9190</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>9190</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>025537101</cusip>
        <value>156</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1639</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1639</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>025537101</cusip>
        <value>57</value>
        <shrsOrPrnAmt>
            <sshPrnamt>600</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>600</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>025816109</cusip>
        <value>728</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4927</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4927</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>025816109</cusip>
        <value>96</value>
        <shrsOrPrnAmt>
            <sshPrnamt>650</sshPrnamt>
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        <votingAuthority>
            <Sole>650</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AMERIPRISE FINANCIAL INC.</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>03076C106</cusip>
        <value>234</value>
        <shrsOrPrnAmt>
            <sshPrnamt>752</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>752</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>032654105</cusip>
        <value>555</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3382</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3382</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <titleOfClass>COMMON</titleOfClass>
        <cusip>037833100</cusip>
        <value>6963</value>
        <shrsOrPrnAmt>
            <sshPrnamt>53594</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>53594</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>APPLE INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>037833100</cusip>
        <value>607</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4670</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4670</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>038222105</cusip>
        <value>780</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8005</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>8005</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>038222105</cusip>
        <value>30</value>
        <shrsOrPrnAmt>
            <sshPrnamt>310</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>310</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>00206R102</cusip>
        <value>357</value>
        <shrsOrPrnAmt>
            <sshPrnamt>19388</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>19388</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>00206R102</cusip>
        <value>225</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12242</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12242</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>053015103</cusip>
        <value>681</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2849</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2849</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>053015103</cusip>
        <value>268</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1120</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1120</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>060505104</cusip>
        <value>1043</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31477</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>31477</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>060505104</cusip>
        <value>418</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12624</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12624</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS A</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>084670108</cusip>
        <value>469</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>084670702</cusip>
        <value>471</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1526</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1526</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>084670702</cusip>
        <value>104</value>
        <shrsOrPrnAmt>
            <sshPrnamt>336</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>336</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>09247X101</cusip>
        <value>629</value>
        <shrsOrPrnAmt>
            <sshPrnamt>888</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>888</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>09247X101</cusip>
        <value>64</value>
        <shrsOrPrnAmt>
            <sshPrnamt>90</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>90</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BOEING CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>097023105</cusip>
        <value>871</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4575</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4575</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BOEING CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>097023105</cusip>
        <value>166</value>
        <shrsOrPrnAmt>
            <sshPrnamt>871</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>871</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>110122108</cusip>
        <value>347</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4821</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4821</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>110122108</cusip>
        <value>103</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1432</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1432</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>14040H105</cusip>
        <value>210</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2258</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2258</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>149123101</cusip>
        <value>1040</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4340</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4340</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>808513105</cusip>
        <value>441</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5300</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>166764100</cusip>
        <value>1872</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10428</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>10428</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>166764100</cusip>
        <value>822</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4578</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4578</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CIGNA CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>125523100</cusip>
        <value>214</value>
        <shrsOrPrnAmt>
            <sshPrnamt>645</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>645</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CIGNA CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>125523100</cusip>
        <value>1505</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4542</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4542</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>17275R102</cusip>
        <value>1157</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24279</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>24279</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>17275R102</cusip>
        <value>52</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1100</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>172967424</cusip>
        <value>247</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5450</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5450</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>172967424</cusip>
        <value>81</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1800</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1800</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COCA COLA CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>191216100</cusip>
        <value>2147</value>
        <shrsOrPrnAmt>
            <sshPrnamt>33747</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>33747</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COCA COLA CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>191216100</cusip>
        <value>888</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13954</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13954</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>194162103</cusip>
        <value>443</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5620</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5620</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>20030N101</cusip>
        <value>636</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18192</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>18192</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>20030N101</cusip>
        <value>61</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1738</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1738</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>20825C104</cusip>
        <value>1168</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9900</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>9900</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CORNING INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>219350105</cusip>
        <value>341</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10665</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>10665</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CORNING INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>219350105</cusip>
        <value>16</value>
        <shrsOrPrnAmt>
            <sshPrnamt>500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CORTEVA INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>22052L104</cusip>
        <value>180</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3057</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3057</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CORTEVA INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>22052L104</cusip>
        <value>55</value>
        <shrsOrPrnAmt>
            <sshPrnamt>928</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>928</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>22160K105</cusip>
        <value>722</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1581</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1581</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>22160K105</cusip>
        <value>84</value>
        <shrsOrPrnAmt>
            <sshPrnamt>185</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>185</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CSX CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>126408103</cusip>
        <value>477</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15398</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>15398</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CUMMINS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>231021106</cusip>
        <value>765</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3157</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3157</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>126650100</cusip>
        <value>534</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5731</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5731</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>244199105</cusip>
        <value>2109</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4918</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4918</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>244199105</cusip>
        <value>21</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>50</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>254687106</cusip>
        <value>856</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9858</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>9858</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>254687106</cusip>
        <value>91</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1052</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1052</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>25746U109</cusip>
        <value>1133</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18474</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>18474</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>25746U109</cusip>
        <value>130</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2126</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2126</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DOW INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>260557103</cusip>
        <value>313</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6212</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>6212</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DOW INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>260557103</cusip>
        <value>71</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1415</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1415</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>26441C204</cusip>
        <value>1081</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10501</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>10501</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>26441C204</cusip>
        <value>25</value>
        <shrsOrPrnAmt>
            <sshPrnamt>239</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>239</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>26614N102</cusip>
        <value>355</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5168</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5168</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>26614N102</cusip>
        <value>60</value>
        <shrsOrPrnAmt>
            <sshPrnamt>876</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>876</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>036752103</cusip>
        <value>533</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1040</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1040</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>291011104</cusip>
        <value>401</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4171</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4171</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>291011104</cusip>
        <value>15</value>
        <shrsOrPrnAmt>
            <sshPrnamt>160</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>160</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EXELON CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>30161N101</cusip>
        <value>194</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4494</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4494</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EXELON CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>30161N101</cusip>
        <value>9</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>30231G102</cusip>
        <value>2438</value>
        <shrsOrPrnAmt>
            <sshPrnamt>22105</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>22105</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>30231G102</cusip>
        <value>2051</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18593</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>18593</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FORD MOTOR CO DEL</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>345370860</cusip>
        <value>247</value>
        <shrsOrPrnAmt>
            <sshPrnamt>21240</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>21240</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>369550108</cusip>
        <value>186</value>
        <shrsOrPrnAmt>
            <sshPrnamt>750</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>750</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>369550108</cusip>
        <value>70</value>
        <shrsOrPrnAmt>
            <sshPrnamt>283</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>283</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>369604301</cusip>
        <value>232</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2773</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2773</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>369604301</cusip>
        <value>251</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3001</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3001</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>370334104</cusip>
        <value>146</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1745</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1745</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>370334104</cusip>
        <value>134</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1600</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1600</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>38141G104</cusip>
        <value>977</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2844</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2844</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HEWLETT PACKARD ENTERPRISE COM</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>42824C109</cusip>
        <value>279</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17489</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>17489</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HEWLETT PACKARD ENTERPRISE COM</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>42824C109</cusip>
        <value>145</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9103</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9103</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>437076102</cusip>
        <value>1712</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5421</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5421</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>437076102</cusip>
        <value>537</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1701</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1701</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>438516106</cusip>
        <value>568</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2652</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2652</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>438516106</cusip>
        <value>126</value>
        <shrsOrPrnAmt>
            <sshPrnamt>589</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>589</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>40434L105</cusip>
        <value>477</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17769</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>17769</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>40434L105</cusip>
        <value>237</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8802</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8802</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>452308109</cusip>
        <value>314</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1425</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTEL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>458140100</cusip>
        <value>525</value>
        <shrsOrPrnAmt>
            <sshPrnamt>19854</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>19854</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTEL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>458140100</cusip>
        <value>192</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7256</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7256</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>459200101</cusip>
        <value>984</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6982</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>6982</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>459200101</cusip>
        <value>161</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1141</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1141</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTUIT INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>461202103</cusip>
        <value>355</value>
        <shrsOrPrnAmt>
            <sshPrnamt>912</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>912</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>478160104</cusip>
        <value>5125</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29012</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>29012</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>478160104</cusip>
        <value>1234</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6988</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6988</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>46625H100</cusip>
        <value>788</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5876</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5876</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>46625H100</cusip>
        <value>297</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2216</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2216</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>494368103</cusip>
        <value>330</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2434</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2434</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>494368103</cusip>
        <value>177</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1307</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1307</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LAS VEGAS SANDS CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>517834107</cusip>
        <value>211</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4387</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4387</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>539830109</cusip>
        <value>303</value>
        <shrsOrPrnAmt>
            <sshPrnamt>622</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>622</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LOWES COS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>548661107</cusip>
        <value>1408</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7068</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>7068</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>56585A102</cusip>
        <value>256</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2199</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2199</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>571903202</cusip>
        <value>264</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1775</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1775</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>571903202</cusip>
        <value>105</value>
        <shrsOrPrnAmt>
            <sshPrnamt>707</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>707</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>580135101</cusip>
        <value>996</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3778</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3778</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>580135101</cusip>
        <value>131</value>
        <shrsOrPrnAmt>
            <sshPrnamt>497</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>497</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>58155Q103</cusip>
        <value>181</value>
        <shrsOrPrnAmt>
            <sshPrnamt>482</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>482</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>58155Q103</cusip>
        <value>34</value>
        <shrsOrPrnAmt>
            <sshPrnamt>90</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>90</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>1126</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10149</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>10149</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>927</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8352</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8352</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>30303M102</cusip>
        <value>481</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3998</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3998</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>595017104</cusip>
        <value>189</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2684</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2684</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>595017104</cusip>
        <value>28</value>
        <shrsOrPrnAmt>
            <sshPrnamt>400</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>594918104</cusip>
        <value>6572</value>
        <shrsOrPrnAmt>
            <sshPrnamt>27405</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>27405</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>594918104</cusip>
        <value>431</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1797</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1797</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>609207105</cusip>
        <value>662</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9932</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>9932</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>609207105</cusip>
        <value>171</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2562</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2562</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>617446448</cusip>
        <value>661</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7769</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>7769</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>65339F101</cusip>
        <value>986</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11795</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>11795</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>65339F101</cusip>
        <value>160</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1908</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1908</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>654106103</cusip>
        <value>354</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3026</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3026</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>654106103</cusip>
        <value>53</value>
        <shrsOrPrnAmt>
            <sshPrnamt>450</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>450</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>655844108</cusip>
        <value>1784</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7240</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>7240</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>655844108</cusip>
        <value>882</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3580</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3580</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NORTHROP GRUMMAN CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>666807102</cusip>
        <value>488</value>
        <shrsOrPrnAmt>
            <sshPrnamt>894</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>894</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>681919106</cusip>
        <value>41</value>
        <shrsOrPrnAmt>
            <sshPrnamt>505</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>505</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>681919106</cusip>
        <value>309</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3785</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3785</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>68389X105</cusip>
        <value>623</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7620</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>7620</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>68389X105</cusip>
        <value>57</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>PAYCHEX INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>704326107</cusip>
        <value>561</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4852</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4852</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>70450Y103</cusip>
        <value>256</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3594</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3594</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PENSKE AUTOMOTIVE GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>70959W103</cusip>
        <value>460</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4000</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>713448108</cusip>
        <value>1448</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8017</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>8017</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>713448108</cusip>
        <value>981</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5431</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5431</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>717081103</cusip>
        <value>1822</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35555</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>35555</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>717081103</cusip>
        <value>883</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17237</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>17237</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>718172109</cusip>
        <value>1575</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15566</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>15566</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>718172109</cusip>
        <value>440</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4347</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4347</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>718546104</cusip>
        <value>249</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2394</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2394</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>742718109</cusip>
        <value>1066</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7036</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>7036</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>742718109</cusip>
        <value>460</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3036</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3036</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>747525103</cusip>
        <value>1035</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9416</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>9416</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>747525103</cusip>
        <value>50</value>
        <shrsOrPrnAmt>
            <sshPrnamt>459</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>459</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>75513E141</cusip>
        <value>144</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1426</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1426</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>75513E105</cusip>
        <value>160</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1584</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1584</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>824348106</cusip>
        <value>850</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3580</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3580</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>842587107</cusip>
        <value>638</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8932</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>8932</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>842587107</cusip>
        <value>43</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>TARGET CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>87612E110</cusip>
        <value>278</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1867</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1867</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TARGET CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>87612E110</cusip>
        <value>178</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1196</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1196</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>882508104</cusip>
        <value>440</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2661</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2661</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>882508104</cusip>
        <value>34</value>
        <shrsOrPrnAmt>
            <sshPrnamt>207</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>207</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>89417E113</cusip>
        <value>8</value>
        <shrsOrPrnAmt>
            <sshPrnamt>44</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>44</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>89417E113</cusip>
        <value>285</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1518</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1518</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>89832Q109</cusip>
        <value>254</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5912</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5912</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>89832Q109</cusip>
        <value>162</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3755</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3755</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>90353T100</cusip>
        <value>438</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17700</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>17700</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>907818108</cusip>
        <value>332</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1603</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1603</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>91324P102</cusip>
        <value>188</value>
        <shrsOrPrnAmt>
            <sshPrnamt>355</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>355</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>91324P102</cusip>
        <value>318</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>VALERO ENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>91913Y100</cusip>
        <value>596</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4697</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4697</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>92343V104</cusip>
        <value>777</value>
        <shrsOrPrnAmt>
            <sshPrnamt>19719</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>19719</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>92343V104</cusip>
        <value>344</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8720</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8720</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>931142103</cusip>
        <value>1716</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12101</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>12101</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>931142103</cusip>
        <value>363</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2557</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2557</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>94106L109</cusip>
        <value>752</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4791</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>4791</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>949746101</cusip>
        <value>314</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7612</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>7612</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>949746101</cusip>
        <value>162</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3927</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3927</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>YUM CHINA HOLDINGS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>98850P109</cusip>
        <value>130</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2374</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2374</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>YUM CHINA HOLDINGS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>98850P109</cusip>
        <value>135</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2473</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2473</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>988498101</cusip>
        <value>477</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3724</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3724</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>988498101</cusip>
        <value>317</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2473</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2473</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>315</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2628</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2628</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>214</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1784</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1784</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FEDERAL REALTY INVESTMENT TRUS</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>313745101</cusip>
        <value>741</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7335</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PUBLIC STORAGE INC REIT</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>74460D109</cusip>
        <value>391</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1394</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>G1151C101</cusip>
        <value>459</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1722</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1722</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>N53745100</cusip>
        <value>426</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5135</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5135</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MANULIFE FINANCIAL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>56501R106</cusip>
        <value>60</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3338</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3338</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MANULIFE FINANCIAL CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>56501R106</cusip>
        <value>289</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16172</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>16172</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>METHANEX CORP</nameOfIssuer>
        <titleOfClass>COMMON</titleOfClass>
        <cusip>59151K108</cusip>
        <value>265</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>ISHARES CORE MSCI EAFE ETF</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>46432F842</cusip>
        <value>334</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5421</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES DJ US TOTAL MARKET ETF</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287846</cusip>
        <value>328</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3510</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287465</cusip>
        <value>1003</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15277</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287465</cusip>
        <value>22</value>
        <shrsOrPrnAmt>
            <sshPrnamt>328</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287234</cusip>
        <value>365</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9622</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287705</cusip>
        <value>417</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4138</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287705</cusip>
        <value>16</value>
        <shrsOrPrnAmt>
            <sshPrnamt>160</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287804</cusip>
        <value>1622</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17134</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287804</cusip>
        <value>125</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1324</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES S&amp;P 400 MIDCAP INDEX F</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287507</cusip>
        <value>1783</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7370</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES S&amp;P 400 MIDCAP INDEX F</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287507</cusip>
        <value>129</value>
        <shrsOrPrnAmt>
            <sshPrnamt>533</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES S&amp;P 500 INDEX FUND</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287200</cusip>
        <value>1472</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3831</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 GROWTH</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>78464A409</cusip>
        <value>1457</value>
        <shrsOrPrnAmt>
            <sshPrnamt>28762</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 GROWTH</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>78464A409</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>85</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>78462F103</cusip>
        <value>6709</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17544</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>78462F103</cusip>
        <value>66</value>
        <shrsOrPrnAmt>
            <sshPrnamt>173</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>921946406</cusip>
        <value>2474</value>
        <shrsOrPrnAmt>
            <sshPrnamt>22864</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>921946406</cusip>
        <value>68</value>
        <shrsOrPrnAmt>
            <sshPrnamt>625</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>922908363</cusip>
        <value>499</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1420</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES CORE U.S. AGGREGATE</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>464287226</cusip>
        <value>224</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2308</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR BLOOMBERG HIGH YIELD BOND</nameOfIssuer>
        <titleOfClass>OTHER</titleOfClass>
        <cusip>78468R622</cusip>
        <value>216</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2401</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
</informationTable>
