<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>AON PLC</nameOfIssuer>
			<titleOfClass>SHS CL A</titleOfClass>
			<cusip>G0408V102</cusip>
			<value>329</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2250</Sole>
				<Shared>150</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
			<titleOfClass>SHS CLASS A</titleOfClass>
			<cusip>G1151C101</cusip>
			<value>208</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1273</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1273</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
			<titleOfClass>SHS CLASS A</titleOfClass>
			<cusip>G1151C101</cusip>
			<value>223</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1365</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1365</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G47791101</cusip>
			<value>4379</value>
			<shrsOrPrnAmt>
				<sshPrnamt>48802</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>48612</Sole>
				<Shared>0</Shared>
				<None>190</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G47791101</cusip>
			<value>1266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14113</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14013</Sole>
				<Shared>100</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APTIV PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G6095L109</cusip>
			<value>3672</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40074</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>40049</Sole>
				<Shared>0</Shared>
				<None>25</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APTIV PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G6095L109</cusip>
			<value>1255</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>13575</Sole>
				<Shared>125</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00206R102</cusip>
			<value>7008</value>
			<shrsOrPrnAmt>
				<sshPrnamt>218262</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>208812</Sole>
				<Shared>0</Shared>
				<None>9450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00206R102</cusip>
			<value>2815</value>
			<shrsOrPrnAmt>
				<sshPrnamt>87656</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>85286</Sole>
				<Shared>1170</Shared>
				<None>1200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>002824100</cusip>
			<value>1230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20171</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20171</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>002824100</cusip>
			<value>824</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13515</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>12290</Sole>
				<Shared>1000</Shared>
				<None>225</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2262</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2262</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>1601</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17282</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>16282</Sole>
				<Shared>1000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ADOBE SYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00724F101</cusip>
			<value>90</value>
			<shrsOrPrnAmt>
				<sshPrnamt>370</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>370</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ADOBE SYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00724F101</cusip>
			<value>158</value>
			<shrsOrPrnAmt>
				<sshPrnamt>650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>650</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ADVANCE AUTO PARTS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00751Y106</cusip>
			<value>539</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3975</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>3475</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>020002101</cusip>
			<value>91</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>020002101</cusip>
			<value>347</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
			<titleOfClass>CAP STK CL C</titleOfClass>
			<cusip>02079K107</cusip>
			<value>299</value>
			<shrsOrPrnAmt>
				<sshPrnamt>268</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>268</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
			<titleOfClass>CAP STK CL C</titleOfClass>
			<cusip>02079K107</cusip>
			<value>386</value>
			<shrsOrPrnAmt>
				<sshPrnamt>346</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>346</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
			<titleOfClass>CAP STK CL A</titleOfClass>
			<cusip>02079K305</cusip>
			<value>336</value>
			<shrsOrPrnAmt>
				<sshPrnamt>298</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>298</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
			<titleOfClass>CAP STK CL A</titleOfClass>
			<cusip>02079K305</cusip>
			<value>278</value>
			<shrsOrPrnAmt>
				<sshPrnamt>246</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>246</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>02209S103</cusip>
			<value>1046</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18425</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18375</Sole>
				<Shared>0</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>02209S103</cusip>
			<value>415</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7309</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7309</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023135106</cusip>
			<value>1003</value>
			<shrsOrPrnAmt>
				<sshPrnamt>590</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>590</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023135106</cusip>
			<value>767</value>
			<shrsOrPrnAmt>
				<sshPrnamt>451</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>376</Sole>
				<Shared>0</Shared>
				<None>75</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>025537101</cusip>
			<value>458</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6608</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6608</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>025537101</cusip>
			<value>95</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1100</Sole>
				<Shared>0</Shared>
				<None>275</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN NATL BANKSHARES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>027745108</cusip>
			<value>605</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15135</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15135</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMERICAN VANGUARD CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>030371108</cusip>
			<value>4584</value>
			<shrsOrPrnAmt>
				<sshPrnamt>199720</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>111474</Sole>
				<Shared>0</Shared>
				<None>88246</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>031162100</cusip>
			<value>8733</value>
			<shrsOrPrnAmt>
				<sshPrnamt>47308</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>47208</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>031162100</cusip>
			<value>3314</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17952</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>17752</Sole>
				<Shared>150</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>03524A108</cusip>
			<value>4485</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44507</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>44312</Sole>
				<Shared>0</Shared>
				<None>195</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>03524A108</cusip>
			<value>1229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12198</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>12048</Sole>
				<Shared>150</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037833100</cusip>
			<value>11587</value>
			<shrsOrPrnAmt>
				<sshPrnamt>62594</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>62494</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037833100</cusip>
			<value>4782</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25833</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>25298</Sole>
				<Shared>210</Shared>
				<None>325</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>040413106</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>65</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>040413106</cusip>
			<value>206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053015103</cusip>
			<value>9303</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69352</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>69102</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053015103</cusip>
			<value>3343</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24923</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>24473</Sole>
				<Shared>350</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BB&amp;T CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>054937107</cusip>
			<value>496</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9830</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8490</Sole>
				<Shared>0</Shared>
				<None>1340</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BB&amp;T CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>054937107</cusip>
			<value>688</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13639</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>13389</Sole>
				<Shared>250</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>055622104</cusip>
			<value>101</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2221</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2221</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BP PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>055622104</cusip>
			<value>101</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2216</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2216</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK AMER CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>060505104</cusip>
			<value>774</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27474</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27474</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK AMER CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>060505104</cusip>
			<value>214</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7606</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6900</Sole>
				<Shared>706</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>064058100</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>50</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>064058100</cusip>
			<value>458</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8489</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8489</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>071813109</cusip>
			<value>98</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1325</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1325</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>071813109</cusip>
			<value>178</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2415</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2415</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>075887109</cusip>
			<value>10629</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44369</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>44244</Sole>
				<Shared>0</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>075887109</cusip>
			<value>4266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17808</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>17508</Sole>
				<Shared>300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>084670108</cusip>
			<value>282</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL B NEW</titleOfClass>
			<cusip>084670702</cusip>
			<value>1383</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7409</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7409</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL B NEW</titleOfClass>
			<cusip>084670702</cusip>
			<value>608</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3260</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2960</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09247X101</cusip>
			<value>10685</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21412</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21379</Sole>
				<Shared>0</Shared>
				<None>33</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09247X101</cusip>
			<value>3541</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7095</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6955</Sole>
				<Shared>65</Shared>
				<None>75</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>097023105</cusip>
			<value>167</value>
			<shrsOrPrnAmt>
				<sshPrnamt>499</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>499</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>097023105</cusip>
			<value>705</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1950</Sole>
				<Shared>0</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>110122108</cusip>
			<value>984</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17783</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17783</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>110122108</cusip>
			<value>544</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9838</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>9838</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>115637100</cusip>
			<value>1820</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37250</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>115637209</cusip>
			<value>1207</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24624</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24624</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>115637209</cusip>
			<value>4472</value>
			<shrsOrPrnAmt>
				<sshPrnamt>91249</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>91249</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126408103</cusip>
			<value>8565</value>
			<shrsOrPrnAmt>
				<sshPrnamt>134297</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>134023</Sole>
				<Shared>0</Shared>
				<None>274</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126408103</cusip>
			<value>2871</value>
			<shrsOrPrnAmt>
				<sshPrnamt>45010</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>43785</Sole>
				<Shared>325</Shared>
				<None>900</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126650100</cusip>
			<value>4115</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63953</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>63728</Sole>
				<Shared>0</Shared>
				<None>225</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126650100</cusip>
			<value>1199</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18630</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>18580</Sole>
				<Shared>50</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>14040H105</cusip>
			<value>441</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4794</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4794</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>14040H105</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>221</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>221</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CARMAX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>143130102</cusip>
			<value>184</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2525</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2525</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CARMAX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>143130102</cusip>
			<value>754</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10354</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7700</Sole>
				<Shared>0</Shared>
				<None>2654</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CATERPILLAR INC DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>149123101</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>18</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CATERPILLAR INC DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>149123101</cusip>
			<value>482</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3550</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>166764100</cusip>
			<value>6914</value>
			<shrsOrPrnAmt>
				<sshPrnamt>54683</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>54603</Sole>
				<Shared>0</Shared>
				<None>80</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>166764100</cusip>
			<value>2982</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23590</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>22530</Sole>
				<Shared>500</Shared>
				<None>560</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>17275R102</cusip>
			<value>8297</value>
			<shrsOrPrnAmt>
				<sshPrnamt>192811</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>192261</Sole>
				<Shared>0</Shared>
				<None>550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>17275R102</cusip>
			<value>2651</value>
			<shrsOrPrnAmt>
				<sshPrnamt>61600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>60650</Sole>
				<Shared>800</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>172967424</cusip>
			<value>248</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3699</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2507</Sole>
				<Shared>0</Shared>
				<None>1192</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>172967424</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>30</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>189054109</cusip>
			<value>118</value>
			<shrsOrPrnAmt>
				<sshPrnamt>875</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>875</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>189054109</cusip>
			<value>89</value>
			<shrsOrPrnAmt>
				<sshPrnamt>660</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>660</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>191216100</cusip>
			<value>1089</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24834</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24834</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>191216100</cusip>
			<value>1502</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34235</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>33710</Sole>
				<Shared>0</Shared>
				<None>525</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>194162103</cusip>
			<value>1135</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17512</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>17512</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>194162103</cusip>
			<value>657</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10136</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>9736</Sole>
				<Shared>400</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>20030N101</cusip>
			<value>200</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6104</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6104</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>20030N101</cusip>
			<value>84</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2572</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2572</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>20825C104</cusip>
			<value>89</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1283</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1283</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>20825C104</cusip>
			<value>276</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3401</Sole>
				<Shared>0</Shared>
				<None>569</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CRACKER BARREL OLD CTRY STOR</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22410J106</cusip>
			<value>328</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DANAHER CORP DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>235851102</cusip>
			<value>113</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DANAHER CORP DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>235851102</cusip>
			<value>99</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>244199105</cusip>
			<value>134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>962</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>962</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>244199105</cusip>
			<value>573</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COM DISNEY</titleOfClass>
			<cusip>254687106</cusip>
			<value>7881</value>
			<shrsOrPrnAmt>
				<sshPrnamt>75196</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>74946</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COM DISNEY</titleOfClass>
			<cusip>254687106</cusip>
			<value>3355</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32009</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>31609</Sole>
				<Shared>300</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>25746U109</cusip>
			<value>6404</value>
			<shrsOrPrnAmt>
				<sshPrnamt>93923</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>93713</Sole>
				<Shared>0</Shared>
				<None>210</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>25746U109</cusip>
			<value>2315</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33957</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>33452</Sole>
				<Shared>380</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOWDUPONT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>26078J100</cusip>
			<value>731</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11089</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11089</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DOWDUPONT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>26078J100</cusip>
			<value>2509</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38068</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>38068</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>26441C204</cusip>
			<value>535</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6764</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6764</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>26441C204</cusip>
			<value>341</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4318</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4318</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>291011104</cusip>
			<value>199</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2873</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2873</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>291011104</cusip>
			<value>270</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3100</Sole>
				<Shared>800</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>293792107</cusip>
			<value>225</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8146</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8146</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>293792107</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1010</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1010</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EQUIFAX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>294429105</cusip>
			<value>200</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>30231G102</cusip>
			<value>11038</value>
			<shrsOrPrnAmt>
				<sshPrnamt>133417</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>133177</Sole>
				<Shared>0</Shared>
				<None>240</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>30231G102</cusip>
			<value>6530</value>
			<shrsOrPrnAmt>
				<sshPrnamt>78928</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>73999</Sole>
				<Shared>3434</Shared>
				<None>1495</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>30303M102</cusip>
			<value>303</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1558</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1558</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>30303M102</cusip>
			<value>214</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>31428X106</cusip>
			<value>168</value>
			<shrsOrPrnAmt>
				<sshPrnamt>740</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>740</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>31428X106</cusip>
			<value>159</value>
			<shrsOrPrnAmt>
				<sshPrnamt>700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>700</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>363576109</cusip>
			<value>290</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4450</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>363576109</cusip>
			<value>328</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5025</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>369550108</cusip>
			<value>6167</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33085</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33010</Sole>
				<Shared>0</Shared>
				<None>75</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>369550108</cusip>
			<value>2713</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14552</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14202</Sole>
				<Shared>350</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>369604103</cusip>
			<value>101</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7425</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7425</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>369604103</cusip>
			<value>607</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44595</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>43395</Sole>
				<Shared>1200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>37733W105</cusip>
			<value>4245</value>
			<shrsOrPrnAmt>
				<sshPrnamt>105304</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>105179</Sole>
				<Shared>0</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>37733W105</cusip>
			<value>1689</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41901</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>41051</Sole>
				<Shared>100</Shared>
				<None>750</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>410345102</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2532</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2532</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>410345102</cusip>
			<value>1800</value>
			<shrsOrPrnAmt>
				<sshPrnamt>81723</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>56875</Sole>
				<Shared>0</Shared>
				<None>24848</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HERSHEY CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>427866108</cusip>
			<value>71</value>
			<shrsOrPrnAmt>
				<sshPrnamt>765</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>765</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HERSHEY CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>427866108</cusip>
			<value>233</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>437076102</cusip>
			<value>8274</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42409</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>42279</Sole>
				<Shared>0</Shared>
				<None>130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>437076102</cusip>
			<value>2841</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14564</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>12614</Sole>
				<Shared>200</Shared>
				<None>1750</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>438516106</cusip>
			<value>176</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1220</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>438516106</cusip>
			<value>255</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1772</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1772</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>452308109</cusip>
			<value>330</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2382</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2332</Sole>
				<Shared>0</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>452308109</cusip>
			<value>208</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>7520</value>
			<shrsOrPrnAmt>
				<sshPrnamt>151287</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>150762</Sole>
				<Shared>0</Shared>
				<None>525</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>4323</value>
			<shrsOrPrnAmt>
				<sshPrnamt>86970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>72795</Sole>
				<Shared>375</Shared>
				<None>13800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>98</value>
			<shrsOrPrnAmt>
				<sshPrnamt>698</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>698</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>242</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1730</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1730</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>46120E602</cusip>
			<value>445</value>
			<shrsOrPrnAmt>
				<sshPrnamt>930</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>930</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTUIT</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>461202103</cusip>
			<value>2038</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9973</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9973</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTUIT</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>461202103</cusip>
			<value>1006</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4926</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4826</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>46284V101</cusip>
			<value>4599</value>
			<shrsOrPrnAmt>
				<sshPrnamt>131357</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>131207</Sole>
				<Shared>0</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>46284V101</cusip>
			<value>1564</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44661</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>44561</Sole>
				<Shared>100</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SELECT DIVID ETF</titleOfClass>
			<cusip>464287168</cusip>
			<value>272</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2785</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2785</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>TIPS BD ETF</titleOfClass>
			<cusip>464287176</cusip>
			<value>494</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4379</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4379</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
			<cusip>464287200</cusip>
			<value>298</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1090</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1090</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
			<cusip>464287200</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>299</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>299</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE US AGGBD ET</titleOfClass>
			<cusip>464287226</cusip>
			<value>199</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1873</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1873</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE US AGGBD ET</titleOfClass>
			<cusip>464287226</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>50</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
			<cusip>464287408</cusip>
			<value>298</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2702</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2702</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
			<cusip>464287408</cusip>
			<value>72</value>
			<shrsOrPrnAmt>
				<sshPrnamt>650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>650</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>MSCI EAFE ETF</titleOfClass>
			<cusip>464287465</cusip>
			<value>18281</value>
			<shrsOrPrnAmt>
				<sshPrnamt>272968</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>NASDAQ BIOTECH</titleOfClass>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<cusip>464287804</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>295</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<shrsOrPrnAmt>
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		<infoTable>
			<nameOfIssuer>ISHARES INC</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
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				<sshPrnamt>230</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<cusip>46434VAQ3</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>27395</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27395</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC20 ETF</titleOfClass>
			<cusip>46434VAQ3</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<cusip>46434VAU4</cusip>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16375</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC19 ETF</titleOfClass>
			<cusip>46434VAU4</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>3000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3000</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>9940</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9940</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC23 ETF</titleOfClass>
			<cusip>46434VAX8</cusip>
			<value>62</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2550</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC22 ETF</titleOfClass>
			<cusip>46434VBA7</cusip>
			<value>406</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16675</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16675</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC22 ETF</titleOfClass>
			<cusip>46434VBA7</cusip>
			<value>72</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2955</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2955</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC25 ETF</titleOfClass>
			<cusip>46434VBD1</cusip>
			<value>327</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13650</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC25 ETF</titleOfClass>
			<cusip>46434VBD1</cusip>
			<value>44</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1850</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC24 ETF</titleOfClass>
			<cusip>46434VBG4</cusip>
			<value>250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10370</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10370</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC24 ETF</titleOfClass>
			<cusip>46434VBG4</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1850</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC21 ETF</titleOfClass>
			<cusip>46434VBK5</cusip>
			<value>372</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15280</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15280</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC21 ETF</titleOfClass>
			<cusip>46434VBK5</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS SEP20 ETF</titleOfClass>
			<cusip>46434V571</cusip>
			<value>420</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16550</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS SEP20 ETF</titleOfClass>
			<cusip>46434V571</cusip>
			<value>29</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1125</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC22 ETF</titleOfClass>
			<cusip>46435G755</cusip>
			<value>1761</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>69000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC22 ETF</titleOfClass>
			<cusip>46435G755</cusip>
			<value>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>475</Sole>
				<Shared>975</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC21 ETF</titleOfClass>
			<cusip>46435G789</cusip>
			<value>1128</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>44375</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBONDS DEC21 ETF</titleOfClass>
			<cusip>46435G789</cusip>
			<value>58</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1275</Sole>
				<Shared>1000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>46625H100</cusip>
			<value>6623</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63561</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>63336</Sole>
				<Shared>0</Shared>
				<None>225</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>46625H100</cusip>
			<value>2368</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22727</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>20876</Sole>
				<Shared>1451</Shared>
				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>478160104</cusip>
			<value>8346</value>
			<shrsOrPrnAmt>
				<sshPrnamt>68785</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>68560</Sole>
				<Shared>0</Shared>
				<None>225</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>478160104</cusip>
			<value>4161</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34293</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>31053</Sole>
				<Shared>1900</Shared>
				<None>1340</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KELLOGG CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>487836108</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KELLOGG CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>487836108</cusip>
			<value>283</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4050</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>494368103</cusip>
			<value>468</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4447</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4447</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>494368103</cusip>
			<value>319</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2530</Sole>
				<Shared>500</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>500754106</cusip>
			<value>124</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1967</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1967</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>500754106</cusip>
			<value>131</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2090</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1640</Sole>
				<Shared>0</Shared>
				<None>450</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>524660107</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>524660107</cusip>
			<value>214</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>532457108</cusip>
			<value>137</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1600</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>532457108</cusip>
			<value>128</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LINCOLN NATL CORP IND</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>534187109</cusip>
			<value>51</value>
			<shrsOrPrnAmt>
				<sshPrnamt>819</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>819</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LINCOLN NATL CORP IND</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>534187109</cusip>
			<value>423</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOEWS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>540424108</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOEWS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>540424108</cusip>
			<value>609</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12612</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>12612</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>548661107</cusip>
			<value>1029</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10767</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10767</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>548661107</cusip>
			<value>796</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8325</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8325</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>56585A102</cusip>
			<value>562</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8005</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8005</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>56585A102</cusip>
			<value>438</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6249</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6249</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>570535104</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARKEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>570535104</cusip>
			<value>206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>190</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>190</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>571903202</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>39</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>571903202</cusip>
			<value>448</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3538</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3538</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>580135101</cusip>
			<value>986</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6292</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6292</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>580135101</cusip>
			<value>1902</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12140</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8990</Sole>
				<Shared>0</Shared>
				<None>3150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>1902</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31330</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>31235</Sole>
				<Shared>0</Shared>
				<None>95</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>1287</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21206</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>20706</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>594918104</cusip>
			<value>13894</value>
			<shrsOrPrnAmt>
				<sshPrnamt>140895</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>140245</Sole>
				<Shared>0</Shared>
				<None>650</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>594918104</cusip>
			<value>6735</value>
			<shrsOrPrnAmt>
				<sshPrnamt>68297</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>66047</Sole>
				<Shared>1225</Shared>
				<None>1025</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>595017104</cusip>
			<value>7833</value>
			<shrsOrPrnAmt>
				<sshPrnamt>86128</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>85928</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>595017104</cusip>
			<value>3095</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>33675</Sole>
				<Shared>350</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>609207105</cusip>
			<value>608</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14829</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>14829</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>609207105</cusip>
			<value>378</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9217</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7639</Sole>
				<Shared>100</Shared>
				<None>1478</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>617446448</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>350</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>617446448</cusip>
			<value>195</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4118</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4118</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEWMARKET CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>651587107</cusip>
			<value>202</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>65339F101</cusip>
			<value>189</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1129</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1129</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>65339F101</cusip>
			<value>395</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2367</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1767</Sole>
				<Shared>600</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>654106103</cusip>
			<value>294</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3688</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3688</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>654106103</cusip>
			<value>413</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5180</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>5180</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>655844108</cusip>
			<value>2327</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15423</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15358</Sole>
				<Shared>0</Shared>
				<None>65</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>655844108</cusip>
			<value>1456</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9652</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4607</Sole>
				<Shared>900</Shared>
				<None>4145</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETE CORP DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>674599105</cusip>
			<value>400</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4777</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4777</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETE CORP DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>674599105</cusip>
			<value>536</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6406</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6406</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>682680103</cusip>
			<value>279</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4000</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68389X105</cusip>
			<value>312</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7080</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7080</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68389X105</cusip>
			<value>283</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6425</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6425</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>693475105</cusip>
			<value>985</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7294</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7294</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>693475105</cusip>
			<value>133</value>
			<shrsOrPrnAmt>
				<sshPrnamt>982</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>982</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>704326107</cusip>
			<value>195</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2855</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2855</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>704326107</cusip>
			<value>263</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3850</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2479</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2479</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>70</value>
			<shrsOrPrnAmt>
				<sshPrnamt>835</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>835</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>713448108</cusip>
			<value>6955</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63879</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>63464</Sole>
				<Shared>0</Shared>
				<None>415</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>713448108</cusip>
			<value>2763</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>24705</Sole>
				<Shared>450</Shared>
				<None>225</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>717081103</cusip>
			<value>890</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24530</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24530</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>717081103</cusip>
			<value>1513</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41715</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>33590</Sole>
				<Shared>275</Shared>
				<None>7850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>718172109</cusip>
			<value>1109</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13730</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>13705</Sole>
				<Shared>0</Shared>
				<None>25</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>718172109</cusip>
			<value>510</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6321</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4646</Sole>
				<Shared>0</Shared>
				<None>1675</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>718546104</cusip>
			<value>65</value>
			<shrsOrPrnAmt>
				<sshPrnamt>582</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>582</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>718546104</cusip>
			<value>178</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1581</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1581</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PINNACLE FINL PARTNERS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>72346Q104</cusip>
			<value>57</value>
			<shrsOrPrnAmt>
				<sshPrnamt>928</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>928</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PINNACLE FINL PARTNERS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>72346Q104</cusip>
			<value>250</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4069</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4069</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74144T108</cusip>
			<value>8531</value>
			<shrsOrPrnAmt>
				<sshPrnamt>73482</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>73250</Sole>
				<Shared>0</Shared>
				<None>232</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74144T108</cusip>
			<value>2818</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24272</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>23897</Sole>
				<Shared>250</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>742718109</cusip>
			<value>7010</value>
			<shrsOrPrnAmt>
				<sshPrnamt>89797</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>89112</Sole>
				<Shared>0</Shared>
				<None>685</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>742718109</cusip>
			<value>3433</value>
			<shrsOrPrnAmt>
				<sshPrnamt>43980</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>42030</Sole>
				<Shared>750</Shared>
				<None>1200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>744320102</cusip>
			<value>289</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3090</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2457</Sole>
				<Shared>0</Shared>
				<None>633</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>744320102</cusip>
			<value>399</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4268</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3085</Sole>
				<Shared>0</Shared>
				<None>1183</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>745867101</cusip>
			<value>6048</value>
			<shrsOrPrnAmt>
				<sshPrnamt>210375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>209525</Sole>
				<Shared>0</Shared>
				<None>850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>745867101</cusip>
			<value>1464</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50916</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>49091</Sole>
				<Shared>1225</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RGC RES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74955L103</cusip>
			<value>261</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8933</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>8933</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>RGC RES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74955L103</cusip>
			<value>1344</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46059</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>46059</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>REGIONS FINL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>221</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12437</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12437</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
			<titleOfClass>SPONS ADR A</titleOfClass>
			<cusip>780259206</cusip>
			<value>36</value>
			<shrsOrPrnAmt>
				<sshPrnamt>522</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>522</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
			<titleOfClass>SPONS ADR A</titleOfClass>
			<cusip>780259206</cusip>
			<value>201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2907</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2907</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
			<titleOfClass>TR UNIT</titleOfClass>
			<cusip>78462F103</cusip>
			<value>14311</value>
			<shrsOrPrnAmt>
				<sshPrnamt>52755</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>52487</Sole>
				<Shared>58</Shared>
				<None>210</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
			<titleOfClass>TR UNIT</titleOfClass>
			<cusip>78462F103</cusip>
			<value>2633</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9705</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>9635</Sole>
				<Shared>70</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>S&amp;P REGL BKG</titleOfClass>
			<cusip>78464A698</cusip>
			<value>6865</value>
			<shrsOrPrnAmt>
				<sshPrnamt>112535</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>112360</Sole>
				<Shared>0</Shared>
				<None>175</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>S&amp;P REGL BKG</titleOfClass>
			<cusip>78464A698</cusip>
			<value>1624</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26630</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>26180</Sole>
				<Shared>250</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
			<titleOfClass>SPDR TR TACTIC</titleOfClass>
			<cusip>78467V848</cusip>
			<value>722</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15192</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
			<titleOfClass>SPDR TR TACTIC</titleOfClass>
			<cusip>78467V848</cusip>
			<value>323</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6794</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6544</Sole>
				<Shared>250</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
			<titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
			<titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>285</value>
			<shrsOrPrnAmt>
				<sshPrnamt>802</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>640</Sole>
				<Shared>162</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>806857108</cusip>
			<value>4819</value>
			<shrsOrPrnAmt>
				<sshPrnamt>71900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>71650</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>806857108</cusip>
			<value>1426</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>21150</Sole>
				<Shared>125</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI MATERIALS</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>5713</value>
			<shrsOrPrnAmt>
				<sshPrnamt>98383</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>97783</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI MATERIALS</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>1529</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26327</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>25597</Sole>
				<Shared>730</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI HEALTHCARE</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>2861</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34281</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33781</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI HEALTHCARE</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>395</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4727</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3857</Sole>
				<Shared>870</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS STPLS</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>1743</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33821</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33361</Sole>
				<Shared>0</Shared>
				<None>460</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS STPLS</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>177</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2535</Sole>
				<Shared>905</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS DISCR</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>2917</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26685</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>26310</Sole>
				<Shared>0</Shared>
				<None>375</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS DISCR</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>395</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3611</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>2951</Sole>
				<Shared>660</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>ENERGY</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>952</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12540</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>12340</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>ENERGY</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>92</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1205</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>879</Sole>
				<Shared>326</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-FINL</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>3005</value>
			<shrsOrPrnAmt>
				<sshPrnamt>113015</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>111710</Sole>
				<Shared>0</Shared>
				<None>1305</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-FINL</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>405</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15226</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>12346</Sole>
				<Shared>2880</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-INDS</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>1820</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25409</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>25060</Sole>
				<Shared>0</Shared>
				<None>349</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-INDS</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>178</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2485</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1845</Sole>
				<Shared>640</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>TECHNOLOGY</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>4755</value>
			<shrsOrPrnAmt>
				<sshPrnamt>68449</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>67599</Sole>
				<Shared>0</Shared>
				<None>850</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>TECHNOLOGY</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>532</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7653</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>6153</Sole>
				<Shared>1500</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-UTILS</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>1423</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27378</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27278</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-UTILS</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>774</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14890</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14310</Sole>
				<Shared>580</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>828806109</cusip>
			<value>78</value>
			<shrsOrPrnAmt>
				<sshPrnamt>460</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>460</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>828806109</cusip>
			<value>234</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1374</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1374</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STRYKER CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>863667101</cusip>
			<value>59</value>
			<shrsOrPrnAmt>
				<sshPrnamt>350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>350</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>STRYKER CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>863667101</cusip>
			<value>871</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5160</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>760</Sole>
				<Shared>0</Shared>
				<None>4400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUNTRUST BKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>867914103</cusip>
			<value>377</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5715</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5715</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SUNTRUST BKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>867914103</cusip>
			<value>101</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1536</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1536</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>871829107</cusip>
			<value>124</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1810</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1810</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SYSCO CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>871829107</cusip>
			<value>89</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>872540109</cusip>
			<value>4625</value>
			<shrsOrPrnAmt>
				<sshPrnamt>48587</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>48562</Sole>
				<Shared>0</Shared>
				<None>25</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>872540109</cusip>
			<value>1230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12920</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>12795</Sole>
				<Shared>125</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TAPESTRY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>876030107</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TAPESTRY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>876030107</cusip>
			<value>531</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11376</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11376</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>882508104</cusip>
			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>882508104</cusip>
			<value>384</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3485</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3485</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>688</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3499</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3499</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>1945</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>9755</Sole>
				<Shared>0</Shared>
				<None>130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>TOTAL SYS SVCS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>891906109</cusip>
			<value>601</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7105</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7105</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UDR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>902653104</cusip>
			<value>76</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2036</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2036</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UDR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>902653104</cusip>
			<value>127</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3382</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3382</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UGI CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>902681105</cusip>
			<value>255</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4900</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>6826</value>
			<shrsOrPrnAmt>
				<sshPrnamt>136475</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>136143</Sole>
				<Shared>0</Shared>
				<None>332</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>2470</value>
			<shrsOrPrnAmt>
				<sshPrnamt>49374</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>49074</Sole>
				<Shared>200</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNION BANKSHARES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>905400107</cusip>
			<value>280</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5392</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5392</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>907818108</cusip>
			<value>556</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3922</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3922</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>907818108</cusip>
			<value>535</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3779</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3779</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>911312106</cusip>
			<value>640</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6029</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6029</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>911312106</cusip>
			<value>115</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1085</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1035</Sole>
				<Shared>50</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>913017109</cusip>
			<value>1236</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9885</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>913017109</cusip>
			<value>1072</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8570</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>7070</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91324P102</cusip>
			<value>12534</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51087</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>50907</Sole>
				<Shared>0</Shared>
				<None>180</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91324P102</cusip>
			<value>3554</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14485</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>14385</Sole>
				<Shared>100</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>V F CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>918204108</cusip>
			<value>8826</value>
			<shrsOrPrnAmt>
				<sshPrnamt>108274</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>107949</Sole>
				<Shared>0</Shared>
				<None>325</None>
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		<infoTable>
			<nameOfIssuer>V F CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>918204108</cusip>
			<value>3517</value>
			<shrsOrPrnAmt>
				<sshPrnamt>43144</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>42124</Sole>
				<Shared>545</Shared>
				<None>475</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
			<titleOfClass>INTERMED TERM</titleOfClass>
			<cusip>921937819</cusip>
			<value>2200</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>27166</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
			<titleOfClass>INTERMED TERM</titleOfClass>
			<cusip>921937819</cusip>
			<value>669</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8268</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8113</Sole>
				<Shared>155</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
			<titleOfClass>SHORT TRM BOND</titleOfClass>
			<cusip>921937827</cusip>
			<value>1592</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>20350</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
			<titleOfClass>SHORT TRM BOND</titleOfClass>
			<cusip>921937827</cusip>
			<value>325</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4157</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4157</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
			<titleOfClass>TOTAL BND MRKT</titleOfClass>
			<cusip>921937835</cusip>
			<value>447</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5640</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5040</Sole>
				<Shared>0</Shared>
				<None>600</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
			<titleOfClass>TOTAL BND MRKT</titleOfClass>
			<cusip>921937835</cusip>
			<value>392</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4955</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4955</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
			<titleOfClass>FTSE DEV MKT ETF</titleOfClass>
			<cusip>921943858</cusip>
			<value>1307</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30456</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30456</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
			<titleOfClass>FTSE DEV MKT ETF</titleOfClass>
			<cusip>921943858</cusip>
			<value>362</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8434</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>8434</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>TT WRLD ST ETF</titleOfClass>
			<cusip>922042742</cusip>
			<value>1764</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24045</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>24045</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>TT WRLD ST ETF</titleOfClass>
			<cusip>922042742</cusip>
			<value>826</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11263</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>11263</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>4052</value>
			<shrsOrPrnAmt>
				<sshPrnamt>96010</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>95643</Sole>
				<Shared>20</Shared>
				<None>347</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>1322</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31316</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>30537</Sole>
				<Shared>779</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000GRW</titleOfClass>
			<cusip>92206C680</cusip>
			<value>246</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1675</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1675</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000GRW</titleOfClass>
			<cusip>92206C680</cusip>
			<value>47</value>
			<shrsOrPrnAmt>
				<sshPrnamt>320</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>320</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>MORTG-BACK SEC</titleOfClass>
			<cusip>92206C771</cusip>
			<value>5115</value>
			<shrsOrPrnAmt>
				<sshPrnamt>99488</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>97973</Sole>
				<Shared>0</Shared>
				<None>1515</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>MORTG-BACK SEC</titleOfClass>
			<cusip>92206C771</cusip>
			<value>316</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6140</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3265</Sole>
				<Shared>2875</Shared>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>LG-TERM COR BD</titleOfClass>
			<cusip>92206C813</cusip>
			<value>1961</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22389</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22044</Sole>
				<Shared>0</Shared>
				<None>345</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>LG-TERM COR BD</titleOfClass>
			<cusip>92206C813</cusip>
			<value>112</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>650</Sole>
				<Shared>625</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>INT-TERM CORP</titleOfClass>
			<cusip>92206C870</cusip>
			<value>11248</value>
			<shrsOrPrnAmt>
				<sshPrnamt>134669</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>132659</Sole>
				<Shared>0</Shared>
				<None>2010</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>INT-TERM CORP</titleOfClass>
			<cusip>92206C870</cusip>
			<value>642</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7685</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>3795</Sole>
				<Shared>3890</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
			<cusip>922908363</cusip>
			<value>232</value>
			<shrsOrPrnAmt>
				<sshPrnamt>931</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>931</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
			<cusip>922908363</cusip>
			<value>313</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1256</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1256</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REAL ESTATE ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>12992</value>
			<shrsOrPrnAmt>
				<sshPrnamt>159504</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>158534</Sole>
				<Shared>10</Shared>
				<None>960</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REAL ESTATE ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>3843</value>
			<shrsOrPrnAmt>
				<sshPrnamt>47178</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>45788</Sole>
				<Shared>1090</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MID CAP ETF</titleOfClass>
			<cusip>922908629</cusip>
			<value>23348</value>
			<shrsOrPrnAmt>
				<sshPrnamt>148107</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>147517</Sole>
				<Shared>10</Shared>
				<None>580</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MID CAP ETF</titleOfClass>
			<cusip>922908629</cusip>
			<value>5938</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37669</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>36689</Sole>
				<Shared>980</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SMALL CP ETF</titleOfClass>
			<cusip>922908751</cusip>
			<value>24176</value>
			<shrsOrPrnAmt>
				<sshPrnamt>155300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>154710</Sole>
				<Shared>10</Shared>
				<None>580</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SMALL CP ETF</titleOfClass>
			<cusip>922908751</cusip>
			<value>5666</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36395</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>35515</Sole>
				<Shared>880</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92343V104</cusip>
			<value>1139</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22649</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22649</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92343V104</cusip>
			<value>673</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13368</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>13368</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>92826C839</cusip>
			<value>8491</value>
			<shrsOrPrnAmt>
				<sshPrnamt>64108</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>63953</Sole>
				<Shared>0</Shared>
				<None>155</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>92826C839</cusip>
			<value>3610</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27256</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>27001</Sole>
				<Shared>180</Shared>
				<None>75</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
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			<cusip>929042109</cusip>
			<value>319</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4309</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4309</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALMART INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>931142103</cusip>
			<value>147</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1720</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1720</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALMART INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>931142103</cusip>
			<value>972</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11346</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4851</Sole>
				<Shared>0</Shared>
				<None>6495</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>931427108</cusip>
			<value>666</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>931427108</cusip>
			<value>54</value>
			<shrsOrPrnAmt>
				<sshPrnamt>900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>750</Sole>
				<Shared>150</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>94106L109</cusip>
			<value>6581</value>
			<shrsOrPrnAmt>
				<sshPrnamt>80912</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>80687</Sole>
				<Shared>0</Shared>
				<None>225</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>94106L109</cusip>
			<value>2047</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>24416</Sole>
				<Shared>600</Shared>
				<None>150</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WATERS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>941848103</cusip>
			<value>213</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>1100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>949746101</cusip>
			<value>908</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16380</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>949746101</cusip>
			<value>270</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4873</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>4873</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>962166104</cusip>
			<value>258</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7068</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6903</Sole>
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				<None>165</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>962166104</cusip>
			<value>610</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16732</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>16732</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
			<titleOfClass>US TOTAL DIVIDND</titleOfClass>
			<cusip>97717W109</cusip>
			<value>235</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2575</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
			<titleOfClass>INTL EQUITY FD</titleOfClass>
			<cusip>97717W703</cusip>
			<value>148</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2809</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2809</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
			<titleOfClass>INTL EQUITY FD</titleOfClass>
			<cusip>97717W703</cusip>
			<value>706</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13387</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<votingAuthority>
				<Sole>13387</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
</informationTable>
