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        <nameOfIssuer>3M CO</nameOfIssuer>
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        <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
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        <cusip>002824100</cusip>
        <value>4908</value>
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        <nameOfIssuer>ABBVIE INC</nameOfIssuer>
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            <Sole>4590</Sole>
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        <nameOfIssuer>ABBVIE INC</nameOfIssuer>
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        <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
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        <cusip>G1151C101</cusip>
        <value>768203</value>
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            <Sole>2442</Sole>
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        <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
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        <cusip>G1151C101</cusip>
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        <nameOfIssuer>ADOBE INC</nameOfIssuer>
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        <cusip>00724F101</cusip>
        <value>1283620</value>
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            <Sole>3307</Sole>
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        <nameOfIssuer>ADOBE INC</nameOfIssuer>
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        <cusip>00724F101</cusip>
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            <Sole>12</Sole>
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        <nameOfIssuer>AGILENT TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>00846U101</cusip>
        <value>3392</value>
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        <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>009158106</cusip>
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            <None>0</None>
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        <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
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        <cusip>020002101</cusip>
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        <nameOfIssuer>ALPHABET INC</nameOfIssuer>
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        <cusip>02079K107</cusip>
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        <nameOfIssuer>ALPHABET INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>02079K107</cusip>
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        <nameOfIssuer>ALPHABET INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>02079K305</cusip>
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        <nameOfIssuer>ALPHABET INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>02079K305</cusip>
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        <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>02209S103</cusip>
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            <Sole>247</Sole>
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        <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>02209S103</cusip>
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        <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>023135106</cusip>
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        <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>023135106</cusip>
        <value>64688</value>
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            <Sole>40</Sole>
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            <None>300</None>
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        <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>025072604</cusip>
        <value>40975</value>
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            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>681</Sole>
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        <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>025537101</cusip>
        <value>128609</value>
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            <Sole>277</Sole>
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            <None>900</None>
        </votingAuthority>
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        <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>025816109</cusip>
        <value>134520</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>500</Sole>
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        <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>025816109</cusip>
        <value>64031</value>
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            <Sole>200</Sole>
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        </votingAuthority>
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        <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>026874784</cusip>
        <value>8172</value>
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            <sshPrnamt>94</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>94</Sole>
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        <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>03027X100</cusip>
        <value>158406</value>
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            <sshPrnamt>728</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>728</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>AMERIPRISE FINL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>03076C106</cusip>
        <value>250756</value>
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            <sshPrnamt>518</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>518</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>035710839</cusip>
        <value>25375</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>1250</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ANSYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>03662Q105</cusip>
        <value>3482</value>
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            <sshPrnamt>11</sshPrnamt>
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            <Sole>11</Sole>
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        <cusip>037833100</cusip>
        <value>5058100</value>
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            <Sole>21179</Sole>
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        <nameOfIssuer>APPLE INC</nameOfIssuer>
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            <Sole>76</Sole>
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        <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>038222105</cusip>
        <value>687571</value>
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            <Sole>4698</Sole>
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        <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>038222105</cusip>
        <value>42810</value>
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            <sshPrnamt>295</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>195</Sole>
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            <None>100</None>
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        <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>00206R102</cusip>
        <value>90406</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3198</Sole>
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        <nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>049560105</cusip>
        <value>51320</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>332</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>060505104</cusip>
        <value>987465</value>
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            <sshPrnamt>23669</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>23469</Sole>
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        <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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        <cusip>060505104</cusip>
        <value>27118</value>
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        <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>064058100</cusip>
        <value>37488</value>
        <shrsOrPrnAmt>
            <sshPrnamt>447</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
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        <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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        <cusip>084670702</cusip>
        <value>533636</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>1002</Sole>
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        <nameOfIssuer>BLACKROCK ENHANCED EQUITY DI</nameOfIssuer>
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        <cusip>09251A104</cusip>
        <value>83660</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9728</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>09290D101</cusip>
        <value>1276771</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1349</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1184</Sole>
            <Shared>0</Shared>
            <None>165</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>09290D101</cusip>
        <value>64358</value>
        <shrsOrPrnAmt>
            <sshPrnamt>68</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>38</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>09857L108</cusip>
        <value>396182</value>
        <shrsOrPrnAmt>
            <sshPrnamt>86</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>86</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BP PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>055622104</cusip>
        <value>37168</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1100</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>110448107</cusip>
        <value>2274</value>
        <shrsOrPrnAmt>
            <sshPrnamt>55</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>55</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BROADCOM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>11135F101</cusip>
        <value>724294</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4326</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3826</Sole>
            <Shared>0</Shared>
            <None>500</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>127387108</cusip>
        <value>826050</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3248</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3218</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>127387108</cusip>
        <value>62309</value>
        <shrsOrPrnAmt>
            <sshPrnamt>245</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>165</Sole>
            <Shared>0</Shared>
            <None>80</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>149123101</cusip>
        <value>546780</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1658</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1408</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CF INDS HLDGS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>125269100</cusip>
        <value>3516</value>
        <shrsOrPrnAmt>
            <sshPrnamt>45</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>45</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHARLES RIV LABS INTL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>159864107</cusip>
        <value>2257</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>16411R208</cusip>
        <value>58081</value>
        <shrsOrPrnAmt>
            <sshPrnamt>251</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>251</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>166764100</cusip>
        <value>1194095</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7138</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6513</Sole>
            <Shared>0</Shared>
            <None>625</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>166764100</cusip>
        <value>40315</value>
        <shrsOrPrnAmt>
            <sshPrnamt>241</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>116</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>H1467J104</cusip>
        <value>292609</value>
        <shrsOrPrnAmt>
            <sshPrnamt>969</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>969</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>171340102</cusip>
        <value>3743</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>34</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CINTAS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>172908105</cusip>
        <value>4932</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>17275R102</cusip>
        <value>377223</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6114</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6114</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>17275R102</cusip>
        <value>141910</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>0</Shared>
            <None>2200</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>172967424</cusip>
        <value>15049</value>
        <shrsOrPrnAmt>
            <sshPrnamt>212</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>212</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CME GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>12572Q105</cusip>
        <value>123620</value>
        <shrsOrPrnAmt>
            <sshPrnamt>466</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>166</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COCA COLA CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>191216100</cusip>
        <value>4153</value>
        <shrsOrPrnAmt>
            <sshPrnamt>58</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>58</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>192446102</cusip>
        <value>4207</value>
        <shrsOrPrnAmt>
            <sshPrnamt>55</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>55</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
        <titleOfClass>PREFERRED STOCK</titleOfClass>
        <cusip>20030N101</cusip>
        <value>12026</value>
        <shrsOrPrnAmt>
            <sshPrnamt>326</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>326</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>20825C104</cusip>
        <value>239122</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2277</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2277</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COOPER COS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>216648501</cusip>
        <value>3036</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>36</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COPART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>217204106</cusip>
        <value>4527</value>
        <shrsOrPrnAmt>
            <sshPrnamt>80</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>80</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CORNING INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>219350105</cusip>
        <value>2929</value>
        <shrsOrPrnAmt>
            <sshPrnamt>64</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>64</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CORTEVA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>22052L104</cusip>
        <value>3964</value>
        <shrsOrPrnAmt>
            <sshPrnamt>63</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>63</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>22160K105</cusip>
        <value>514496</value>
        <shrsOrPrnAmt>
            <sshPrnamt>544</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>544</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>22822V101</cusip>
        <value>73375</value>
        <shrsOrPrnAmt>
            <sshPrnamt>704</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>244</Sole>
            <Shared>0</Shared>
            <None>460</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CUMMINS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>231021106</cusip>
        <value>754124</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2406</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2386</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CUMMINS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>231021106</cusip>
        <value>32910</value>
        <shrsOrPrnAmt>
            <sshPrnamt>105</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>85</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>126650100</cusip>
        <value>183601</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2710</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1160</Sole>
            <Shared>0</Shared>
            <None>1550</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>126650100</cusip>
        <value>4742</value>
        <shrsOrPrnAmt>
            <sshPrnamt>70</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>70</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>235851102</cusip>
        <value>173840</value>
        <shrsOrPrnAmt>
            <sshPrnamt>848</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>848</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>244199105</cusip>
        <value>850432</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1812</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1797</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>244199105</cusip>
        <value>9386</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>25179M103</cusip>
        <value>18695</value>
        <shrsOrPrnAmt>
            <sshPrnamt>500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>253868103</cusip>
        <value>5874</value>
        <shrsOrPrnAmt>
            <sshPrnamt>41</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>41</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>25434V500</cusip>
        <value>1118937</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18727</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>18727</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>254687106</cusip>
        <value>696813</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7060</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7030</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>254687106</cusip>
        <value>8389</value>
        <shrsOrPrnAmt>
            <sshPrnamt>85</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>85</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DOVER CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>260003108</cusip>
        <value>5094</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>29</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DOW INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>260557103</cusip>
        <value>333553</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9555</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8879</Sole>
            <Shared>0</Shared>
            <None>676</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DOW INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>260557103</cusip>
        <value>13964</value>
        <shrsOrPrnAmt>
            <sshPrnamt>400</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26441C204</cusip>
        <value>2317</value>
        <shrsOrPrnAmt>
            <sshPrnamt>19</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>19</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G29183103</cusip>
        <value>289752</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1066</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1066</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EATON VANCE TAX-MANAGED DIVE</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>27828N102</cusip>
        <value>102087</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7159</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7159</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ECOLAB INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>278865100</cusip>
        <value>238302</value>
        <shrsOrPrnAmt>
            <sshPrnamt>940</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>940</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>036752103</cusip>
        <value>3914</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>291011104</cusip>
        <value>158320</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1444</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>444</Sole>
            <Shared>0</Shared>
            <None>1000</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>291011104</cusip>
        <value>21928</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
        <titleOfClass>FOREIGN EQUITIES</titleOfClass>
        <cusip>29250N105</cusip>
        <value>73862</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1667</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>354</Sole>
            <Shared>0</Shared>
            <None>1313</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>29273V100</cusip>
        <value>51643</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2778</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2778</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>293792107</cusip>
        <value>142492</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4175</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4175</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EOG RES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26875P101</cusip>
        <value>774305</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6038</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5978</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EOG RES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26875P101</cusip>
        <value>16671</value>
        <shrsOrPrnAmt>
            <sshPrnamt>130</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>130</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30231G102</cusip>
        <value>613077</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5155</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5155</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FEDEX CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>31428X106</cusip>
        <value>3656</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>316773100</cusip>
        <value>4194</value>
        <shrsOrPrnAmt>
            <sshPrnamt>107</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>107</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FIRST TR ENHANCED EQUITY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>337318109</cusip>
        <value>102806</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5324</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5324</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>33738R605</cusip>
        <value>40760</value>
        <shrsOrPrnAmt>
            <sshPrnamt>743</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>743</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>337932107</cusip>
        <value>20205</value>
        <shrsOrPrnAmt>
            <sshPrnamt>500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FLAHERTY &amp; CRUMRINE DYNAMIC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>33848W106</cusip>
        <value>81365</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4022</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4022</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FLEX LTD</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>Y2573F102</cusip>
        <value>6713</value>
        <shrsOrPrnAmt>
            <sshPrnamt>203</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>203</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FORD MTR CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>345370860</cusip>
        <value>3741</value>
        <shrsOrPrnAmt>
            <sshPrnamt>373</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>373</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>34959J108</cusip>
        <value>115105</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1573</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1573</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>35671D857</cusip>
        <value>273914</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7235</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7135</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>35671D857</cusip>
        <value>7571</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>369550108</cusip>
        <value>1012306</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3714</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3669</Sole>
            <Shared>0</Shared>
            <None>45</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>369550108</cusip>
        <value>53967</value>
        <shrsOrPrnAmt>
            <sshPrnamt>198</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>123</Sole>
            <Shared>0</Shared>
            <None>75</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>37045V100</cusip>
        <value>172325</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3665</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3565</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>37045V100</cusip>
        <value>18289</value>
        <shrsOrPrnAmt>
            <sshPrnamt>389</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>389</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>372460105</cusip>
        <value>76844</value>
        <shrsOrPrnAmt>
            <sshPrnamt>645</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>185</Sole>
            <Shared>0</Shared>
            <None>460</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>372460105</cusip>
        <value>20849</value>
        <shrsOrPrnAmt>
            <sshPrnamt>175</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>175</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>37954Y889</cusip>
        <value>709170</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>38141G104</cusip>
        <value>14202</value>
        <shrsOrPrnAmt>
            <sshPrnamt>26</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>26</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>406216101</cusip>
        <value>12680</value>
        <shrsOrPrnAmt>
            <sshPrnamt>500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HASBRO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>418056107</cusip>
        <value>7255</value>
        <shrsOrPrnAmt>
            <sshPrnamt>118</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>118</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>40412C101</cusip>
        <value>5183</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>42250P103</cusip>
        <value>4042</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>806407102</cusip>
        <value>1917</value>
        <shrsOrPrnAmt>
            <sshPrnamt>28</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>28</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HESS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>42809H107</cusip>
        <value>6229</value>
        <shrsOrPrnAmt>
            <sshPrnamt>39</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>39</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>437076102</cusip>
        <value>601384</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1641</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1171</Sole>
            <Shared>0</Shared>
            <None>470</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>437076102</cusip>
        <value>42145</value>
        <shrsOrPrnAmt>
            <sshPrnamt>115</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>115</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>438516106</cusip>
        <value>1211829</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5723</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5008</Sole>
            <Shared>0</Shared>
            <None>715</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>438516106</cusip>
        <value>4235</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>20</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>446150104</cusip>
        <value>2431</value>
        <shrsOrPrnAmt>
            <sshPrnamt>162</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>162</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INGREDION INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>457187102</cusip>
        <value>45294</value>
        <shrsOrPrnAmt>
            <sshPrnamt>335</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>335</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INGREDION INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>457187102</cusip>
        <value>101407</value>
        <shrsOrPrnAmt>
            <sshPrnamt>750</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>150</Sole>
            <Shared>0</Shared>
            <None>600</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>45866F104</cusip>
        <value>901998</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5229</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5179</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>45866F104</cusip>
        <value>62099</value>
        <shrsOrPrnAmt>
            <sshPrnamt>360</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>235</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>66143</value>
        <shrsOrPrnAmt>
            <sshPrnamt>266</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>266</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTUIT</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>461202103</cusip>
        <value>7367</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46137V357</cusip>
        <value>40016</value>
        <shrsOrPrnAmt>
            <sshPrnamt>231</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>231</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>464285204</cusip>
        <value>118429</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2009</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2009</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>464285204</cusip>
        <value>15798</value>
        <shrsOrPrnAmt>
            <sshPrnamt>268</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>268</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46434G103</cusip>
        <value>2668093</value>
        <shrsOrPrnAmt>
            <sshPrnamt>49437</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>49372</Sole>
            <Shared>0</Shared>
            <None>65</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46434G103</cusip>
        <value>6152</value>
        <shrsOrPrnAmt>
            <sshPrnamt>114</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>114</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287168</cusip>
        <value>269651</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2008</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2008</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287200</cusip>
        <value>3415721</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6079</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5902</Sole>
            <Shared>177</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287200</cusip>
        <value>146652</value>
        <shrsOrPrnAmt>
            <sshPrnamt>261</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>261</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464287226</cusip>
        <value>999982</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10109</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10109</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>464287234</cusip>
        <value>22024</value>
        <shrsOrPrnAmt>
            <sshPrnamt>504</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>504</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287309</cusip>
        <value>1226748</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13215</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13215</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287408</cusip>
        <value>1136237</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5962</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5962</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>464287465</cusip>
        <value>2549168</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31194</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>17335</Sole>
            <Shared>0</Shared>
            <None>13859</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>464287465</cusip>
        <value>65212</value>
        <shrsOrPrnAmt>
            <sshPrnamt>798</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>798</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>464287507</cusip>
        <value>4896272</value>
        <shrsOrPrnAmt>
            <sshPrnamt>83927</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>60067</Sole>
            <Shared>945</Shared>
            <None>22915</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>464287507</cusip>
        <value>229975</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3942</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1942</Sole>
            <Shared>0</Shared>
            <None>2000</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287614</cusip>
        <value>552090</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1529</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1529</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287655</cusip>
        <value>332346</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1666</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1666</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287655</cusip>
        <value>80593</value>
        <shrsOrPrnAmt>
            <sshPrnamt>404</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>404</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>464287713</cusip>
        <value>7255</value>
        <shrsOrPrnAmt>
            <sshPrnamt>265</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>265</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>464287713</cusip>
        <value>2738</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287804</cusip>
        <value>1540416</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14731</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7783</Sole>
            <Shared>0</Shared>
            <None>6948</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>464288158</cusip>
        <value>400857</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3796</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3796</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288414</cusip>
        <value>405416</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3845</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3845</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288513</cusip>
        <value>241766</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3065</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2965</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288646</cusip>
        <value>86917</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1660</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1660</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46429B267</cusip>
        <value>195330</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>46429B333</cusip>
        <value>17779</value>
        <shrsOrPrnAmt>
            <sshPrnamt>405</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>405</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>46429B333</cusip>
        <value>13126</value>
        <shrsOrPrnAmt>
            <sshPrnamt>299</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>299</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46429B663</cusip>
        <value>308250</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2545</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2545</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46432F842</cusip>
        <value>9830299</value>
        <shrsOrPrnAmt>
            <sshPrnamt>129945</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>127766</Sole>
            <Shared>0</Shared>
            <None>2179</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46432F842</cusip>
        <value>599446</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7924</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5421</Sole>
            <Shared>0</Shared>
            <None>2503</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>46432F859</cusip>
        <value>1373774</value>
        <shrsOrPrnAmt>
            <sshPrnamt>28419</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>28419</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46434V621</cusip>
        <value>284636</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4608</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4608</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46434V738</cusip>
        <value>514462</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8553</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8553</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ITT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>45073V108</cusip>
        <value>3099</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46982L108</cusip>
        <value>663066</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5485</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5445</Sole>
            <Shared>0</Shared>
            <None>40</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46982L108</cusip>
        <value>40496</value>
        <shrsOrPrnAmt>
            <sshPrnamt>335</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>235</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>1407139</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8485</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7780</Sole>
            <Shared>0</Shared>
            <None>705</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>31012</value>
        <shrsOrPrnAmt>
            <sshPrnamt>187</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>137</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G51502105</cusip>
        <value>4966</value>
        <shrsOrPrnAmt>
            <sshPrnamt>62</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>62</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>1385937</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5650</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4690</Sole>
            <Shared>0</Shared>
            <None>960</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>104252</value>
        <shrsOrPrnAmt>
            <sshPrnamt>425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
            <Shared>0</Shared>
            <None>200</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>49338L103</cusip>
        <value>3894</value>
        <shrsOrPrnAmt>
            <sshPrnamt>26</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>26</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
        <value>183591</value>
        <shrsOrPrnAmt>
            <sshPrnamt>411</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>111</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
        <value>22335</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>50</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LOWES COS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>548661107</cusip>
        <value>102387</value>
        <shrsOrPrnAmt>
            <sshPrnamt>439</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>439</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LUMEN TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>550241103</cusip>
        <value>344</value>
        <shrsOrPrnAmt>
            <sshPrnamt>88</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>88</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>571903202</cusip>
        <value>698402</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2932</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2887</Sole>
            <Shared>0</Shared>
            <None>45</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>571903202</cusip>
        <value>38112</value>
        <shrsOrPrnAmt>
            <sshPrnamt>160</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>160</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>573874104</cusip>
        <value>192004</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3119</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3119</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>44852</value>
        <shrsOrPrnAmt>
            <sshPrnamt>645</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>645</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>15646</value>
        <shrsOrPrnAmt>
            <sshPrnamt>225</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>488522</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1564</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1114</Sole>
            <Shared>0</Shared>
            <None>450</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>70281</value>
        <shrsOrPrnAmt>
            <sshPrnamt>225</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58155Q103</cusip>
        <value>10094</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G5960L103</cusip>
        <value>186278</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2073</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1303</Sole>
            <Shared>0</Shared>
            <None>770</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G5960L103</cusip>
        <value>8986</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>1020917</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11374</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11299</Sole>
            <Shared>0</Shared>
            <None>75</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>20196</value>
        <shrsOrPrnAmt>
            <sshPrnamt>225</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30303M102</cusip>
        <value>1286395</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2232</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2212</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30303M102</cusip>
        <value>20171</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>35</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>595017104</cusip>
        <value>121968</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2520</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>350</Sole>
            <Shared>0</Shared>
            <None>2170</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>595017104</cusip>
        <value>19360</value>
        <shrsOrPrnAmt>
            <sshPrnamt>400</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
        <value>4260918</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11351</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10341</Sole>
            <Shared>0</Shared>
            <None>1010</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
        <value>155782</value>
        <shrsOrPrnAmt>
            <sshPrnamt>415</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>265</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MID-AMER APT CMNTYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>59522J103</cusip>
        <value>5027</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>30</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>609207105</cusip>
        <value>16284</value>
        <shrsOrPrnAmt>
            <sshPrnamt>240</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>240</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>617446448</cusip>
        <value>858795</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7361</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7286</Sole>
            <Shared>0</Shared>
            <None>75</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>617446448</cusip>
        <value>58334</value>
        <shrsOrPrnAmt>
            <sshPrnamt>500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>325</Sole>
            <Shared>0</Shared>
            <None>175</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>65339F101</cusip>
        <value>476379</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6721</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6646</Sole>
            <Shared>0</Shared>
            <None>75</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>65339F101</cusip>
        <value>2126</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>30</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NIKE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>654106103</cusip>
        <value>7933</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>666807102</cusip>
        <value>291844</value>
        <shrsOrPrnAmt>
            <sshPrnamt>570</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>570</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>666807102</cusip>
        <value>12800</value>
        <shrsOrPrnAmt>
            <sshPrnamt>25</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>25</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
        <titleOfClass>FOREIGN EQUITIES</titleOfClass>
        <cusip>66987V109</cusip>
        <value>5796</value>
        <shrsOrPrnAmt>
            <sshPrnamt>52</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>52</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NUVEEN MUN INCOME FD INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67062J102</cusip>
        <value>37834</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3845</sshPrnamt>
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        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3845</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>670928100</cusip>
        <value>37272</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4250</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NUVEEN S&amp;P 500 DYNAMIC OVERW</nameOfIssuer>
        <titleOfClass>LARGE CAP MUTUAL FUNDS</titleOfClass>
        <cusip>6706EW100</cusip>
        <value>42225</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NUVEEN SELECT MAT MUN FD</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67061T101</cusip>
        <value>39516</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4240</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4240</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>2712848</value>
        <shrsOrPrnAmt>
            <sshPrnamt>25031</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24881</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>37933</value>
        <shrsOrPrnAmt>
            <sshPrnamt>350</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>350</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>N6596X109</cusip>
        <value>9122</value>
        <shrsOrPrnAmt>
            <sshPrnamt>48</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>48</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
        <titleOfClass>WARRANTS &amp; RIGHTS</titleOfClass>
        <cusip>674599162</cusip>
        <value>3456</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>542449</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3880</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3840</Sole>
            <Shared>0</Shared>
            <None>40</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>12582</value>
        <shrsOrPrnAmt>
            <sshPrnamt>90</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>90</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>697435105</cusip>
        <value>748762</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4388</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4328</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>697435105</cusip>
        <value>18770</value>
        <shrsOrPrnAmt>
            <sshPrnamt>110</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>110</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>704326107</cusip>
        <value>361014</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2340</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1075</Sole>
            <Shared>0</Shared>
            <None>1265</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>704326107</cusip>
        <value>65569</value>
        <shrsOrPrnAmt>
            <sshPrnamt>425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>300</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>70450Y103</cusip>
        <value>323173</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4953</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4853</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>70450Y103</cusip>
        <value>20422</value>
        <shrsOrPrnAmt>
            <sshPrnamt>313</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>175</Sole>
            <Shared>0</Shared>
            <None>138</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>1300257</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8672</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7717</Sole>
            <Shared>0</Shared>
            <None>955</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>26239</value>
        <shrsOrPrnAmt>
            <sshPrnamt>175</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>360813</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14239</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11844</Sole>
            <Shared>0</Shared>
            <None>2395</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>15457</value>
        <shrsOrPrnAmt>
            <sshPrnamt>610</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>610</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>718172109</cusip>
        <value>17618</value>
        <shrsOrPrnAmt>
            <sshPrnamt>111</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>111</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>72201R783</cusip>
        <value>1567023</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16733</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11224</Sole>
            <Shared>205</Shared>
            <None>5304</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>72201R783</cusip>
        <value>22101</value>
        <shrsOrPrnAmt>
            <sshPrnamt>236</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>236</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>693475105</cusip>
        <value>483355</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2750</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2750</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PRINCIPAL EXCHANGE TRADED FD</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74255Y888</cusip>
        <value>226369</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12112</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12112</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>1443266</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8469</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7629</Sole>
            <Shared>0</Shared>
            <None>840</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>35787</value>
        <shrsOrPrnAmt>
            <sshPrnamt>210</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>85</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>74340W103</cusip>
        <value>388346</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3474</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3431</Sole>
            <Shared>0</Shared>
            <None>43</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>74340W103</cusip>
        <value>10619</value>
        <shrsOrPrnAmt>
            <sshPrnamt>95</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>95</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>744320102</cusip>
        <value>118603</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1062</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>362</Sole>
            <Shared>0</Shared>
            <None>700</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74460D109</cusip>
        <value>710480</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2374</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2079</Sole>
            <Shared>0</Shared>
            <None>295</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74460D109</cusip>
        <value>2992</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PUTNAM PREMIER INCOME TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>746853100</cusip>
        <value>31587</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8750</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8750</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>747525103</cusip>
        <value>23193</value>
        <shrsOrPrnAmt>
            <sshPrnamt>151</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>151</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74834L100</cusip>
        <value>5752</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>34</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>754730109</cusip>
        <value>5000</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>36</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>776696106</cusip>
        <value>6485</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>651161</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4916</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4916</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>78409V104</cusip>
        <value>5080</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>79466L302</cusip>
        <value>332479</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1239</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1239</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>808524854</cusip>
        <value>832312</value>
        <shrsOrPrnAmt>
            <sshPrnamt>33480</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>33480</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>808524862</cusip>
        <value>857205</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35218</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>35218</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>81369Y100</cusip>
        <value>193603</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2252</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2252</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>81369Y100</cusip>
        <value>10746</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>81369Y209</cusip>
        <value>175212</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>81369Y407</cusip>
        <value>120450</value>
        <shrsOrPrnAmt>
            <sshPrnamt>610</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>610</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>81369Y704</cusip>
        <value>94370</value>
        <shrsOrPrnAmt>
            <sshPrnamt>720</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>720</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>81369Y803</cusip>
        <value>41296</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>81369Y886</cusip>
        <value>184744</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2343</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2343</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>824348106</cusip>
        <value>4190</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTH PLAINS FINANCIAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>83946P107</cusip>
        <value>207367</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6263</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>6263</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>842587107</cusip>
        <value>450002</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4894</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4204</Sole>
            <Shared>0</Shared>
            <None>690</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>842587107</cusip>
        <value>27585</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>300</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>78462F103</cusip>
        <value>558270</value>
        <shrsOrPrnAmt>
            <sshPrnamt>998</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>998</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>78467Y107</cusip>
        <value>158973</value>
        <shrsOrPrnAmt>
            <sshPrnamt>298</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>298</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR SER TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>78464A474</cusip>
        <value>424956</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14123</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14123</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR SER TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>78468R606</cusip>
        <value>820669</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35057</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>34767</Sole>
            <Shared>0</Shared>
            <None>290</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR SER TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>78468R606</cusip>
        <value>46983</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2007</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2007</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>855244109</cusip>
        <value>363906</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3710</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2335</Sole>
            <Shared>0</Shared>
            <None>1375</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>855244109</cusip>
        <value>13144</value>
        <shrsOrPrnAmt>
            <sshPrnamt>134</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>34</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>863667101</cusip>
        <value>738529</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1984</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1969</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>863667101</cusip>
        <value>13028</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>35</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>871607107</cusip>
        <value>6861</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>16</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SYSCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>871829107</cusip>
        <value>88172</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1175</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>275</Sole>
            <Shared>0</Shared>
            <None>900</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TARGET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>87612E106</cusip>
        <value>12105</value>
        <shrsOrPrnAmt>
            <sshPrnamt>116</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>116</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>87807B107</cusip>
        <value>4578</value>
        <shrsOrPrnAmt>
            <sshPrnamt>97</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>97</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G87052109</cusip>
        <value>253661</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1795</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1795</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TESLA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>88160R101</cusip>
        <value>691398</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2668</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2668</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>882508104</cusip>
        <value>370360</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2061</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2061</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>882508104</cusip>
        <value>31447</value>
        <shrsOrPrnAmt>
            <sshPrnamt>175</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>75</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TEXTRON INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>883203101</cusip>
        <value>3323</value>
        <shrsOrPrnAmt>
            <sshPrnamt>46</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>46</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>883556102</cusip>
        <value>335866</value>
        <shrsOrPrnAmt>
            <sshPrnamt>675</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>675</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>89832Q109</cusip>
        <value>84150</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2045</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>545</Sole>
            <Shared>0</Shared>
            <None>1500</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>90353T100</cusip>
        <value>511692</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7023</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6898</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>90353T100</cusip>
        <value>16757</value>
        <shrsOrPrnAmt>
            <sshPrnamt>230</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>230</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>907818108</cusip>
        <value>237886</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1007</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1007</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>911312106</cusip>
        <value>126483</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1150</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>410</Sole>
            <Shared>0</Shared>
            <None>740</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>911312106</cusip>
        <value>10999</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>91324P102</cusip>
        <value>1170045</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2234</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2204</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>91324P102</cusip>
        <value>44518</value>
        <shrsOrPrnAmt>
            <sshPrnamt>85</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>50</Sole>
            <Shared>0</Shared>
            <None>35</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>902973304</cusip>
        <value>67128</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1590</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>245</Sole>
            <Shared>0</Shared>
            <None>1345</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>902973304</cusip>
        <value>8444</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>921937835</cusip>
        <value>685722</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9336</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9336</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>922908553</cusip>
        <value>1663102</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18369</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15477</Sole>
            <Shared>0</Shared>
            <None>2892</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>922908553</cusip>
        <value>76686</value>
        <shrsOrPrnAmt>
            <sshPrnamt>847</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>847</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>922908629</cusip>
        <value>1915264</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7406</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7406</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>922042858</cusip>
        <value>1732070</value>
        <shrsOrPrnAmt>
            <sshPrnamt>38278</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>31374</Sole>
            <Shared>0</Shared>
            <None>6904</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>922042858</cusip>
        <value>35611</value>
        <shrsOrPrnAmt>
            <sshPrnamt>787</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>787</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C102</cusip>
        <value>2821124</value>
        <shrsOrPrnAmt>
            <sshPrnamt>48077</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>42162</Sole>
            <Shared>0</Shared>
            <None>5915</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C102</cusip>
        <value>232956</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3970</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3626</Sole>
            <Shared>344</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C706</cusip>
        <value>1790298</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30140</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>29134</Sole>
            <Shared>0</Shared>
            <None>1006</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C706</cusip>
        <value>67240</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1132</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>486</Sole>
            <Shared>646</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92206C771</cusip>
        <value>9262</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>921908844</cusip>
        <value>554033</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2856</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2856</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>921943858</cusip>
        <value>1233895</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24275</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24275</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92343V104</cusip>
        <value>218859</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4825</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3325</Sole>
            <Shared>0</Shared>
            <None>1500</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92343V104</cusip>
        <value>952</value>
        <shrsOrPrnAmt>
            <sshPrnamt>21</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>21</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VISA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92826C839</cusip>
        <value>2179424</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6219</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6169</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VISA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92826C839</cusip>
        <value>3504</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>931142103</cusip>
        <value>989115</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11267</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11167</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>931142103</cusip>
        <value>29847</value>
        <shrsOrPrnAmt>
            <sshPrnamt>340</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>190</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>94106L109</cusip>
        <value>179881</value>
        <shrsOrPrnAmt>
            <sshPrnamt>777</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>187</Sole>
            <Shared>0</Shared>
            <None>590</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>94106L109</cusip>
        <value>127330</value>
        <shrsOrPrnAmt>
            <sshPrnamt>550</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>949746101</cusip>
        <value>225348</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3139</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3139</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WESTERN ASSET MUN HIGH INCOM</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>95766N103</cusip>
        <value>73870</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9969</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9969</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>969457100</cusip>
        <value>9322</value>
        <shrsOrPrnAmt>
            <sshPrnamt>156</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>156</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WILLIAMS SONOMA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>969904101</cusip>
        <value>8221</value>
        <shrsOrPrnAmt>
            <sshPrnamt>52</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>52</Sole>
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