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        <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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        <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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        <nameOfIssuer>JOHNSON CONTROLS INTERNATION</nameOfIssuer>
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        <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
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        <nameOfIssuer>CHUBB LTD SWITZ</nameOfIssuer>
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        <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
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        <nameOfIssuer>FLEXTRONICS INTL LTD</nameOfIssuer>
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        <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
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        <nameOfIssuer>ABBVIE INC</nameOfIssuer>
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        <nameOfIssuer>ABBVIE INC</nameOfIssuer>
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        <nameOfIssuer>ADOBE INC</nameOfIssuer>
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        <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
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        <nameOfIssuer>AIR PRODUCTS AND CHEMICALS I</nameOfIssuer>
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        <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
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        <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
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        <cusip>026874784</cusip>
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        <nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
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        <cusip>03027X100</cusip>
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        <nameOfIssuer>AMERIPRISE FINL INC</nameOfIssuer>
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        <nameOfIssuer>APPLE INC</nameOfIssuer>
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        <cusip>037833100</cusip>
        <value>6854585</value>
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        <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
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        <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>50</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>BP PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>055622104</cusip>
        <value>51700</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>BANK AMERICA CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>060505104</cusip>
        <value>989518</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20298</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>20098</Sole>
            <Shared>0</Shared>
            <None>200</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>060505104</cusip>
        <value>31687</value>
        <shrsOrPrnAmt>
            <sshPrnamt>650</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>650</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>064058100</cusip>
        <value>112460</value>
        <shrsOrPrnAmt>
            <sshPrnamt>948</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>348</Sole>
            <Shared>0</Shared>
            <None>600</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>084670702</cusip>
        <value>1316347</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2747</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2735</Sole>
            <Shared>0</Shared>
            <None>12</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>084670702</cusip>
        <value>16772</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>BLACKSTONE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>09260D107</cusip>
        <value>428553</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3727</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3727</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>09290D101</cusip>
        <value>1119414</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1164</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>999</Sole>
            <Shared>0</Shared>
            <None>165</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>09290D101</cusip>
        <value>65395</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>627320</value>
        <shrsOrPrnAmt>
            <sshPrnamt>149</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>149</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BROADCOM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>11135F101</cusip>
        <value>2946190</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9519</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8984</Sole>
            <Shared>0</Shared>
            <None>535</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BROADCOM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>11135F101</cusip>
        <value>40235</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>CME GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>12572Q105</cusip>
        <value>152394</value>
        <shrsOrPrnAmt>
            <sshPrnamt>516</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>216</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>127387108</cusip>
        <value>876635</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3155</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3125</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>127387108</cusip>
        <value>68074</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>1635816</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2309</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2059</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>16411R208</cusip>
        <value>71223</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 CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>166764100</cusip>
        <value>1485944</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7182</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6557</Sole>
            <Shared>0</Shared>
            <None>625</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>166764100</cusip>
        <value>49862</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>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>171340102</cusip>
        <value>3172</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>34</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>17275R102</cusip>
        <value>649413</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8370</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8370</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>17275R102</cusip>
        <value>178457</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>0</Shared>
            <None>2200</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CINTAS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>172908105</cusip>
        <value>4059</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>172967424</cusip>
        <value>24042</value>
        <shrsOrPrnAmt>
            <sshPrnamt>212</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>212</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COCA COLA CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>191216100</cusip>
        <value>16196</value>
        <shrsOrPrnAmt>
            <sshPrnamt>213</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>213</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>20030N101</cusip>
        <value>95886</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3341</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1141</Sole>
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            <None>2200</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>20825C104</cusip>
        <value>679272</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5146</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5146</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COPART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>217204106</cusip>
        <value>2656</value>
        <shrsOrPrnAmt>
            <sshPrnamt>80</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <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>50715</value>
        <shrsOrPrnAmt>
            <sshPrnamt>373</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>373</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CORTEVA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>22052L104</cusip>
        <value>5273</value>
        <shrsOrPrnAmt>
            <sshPrnamt>63</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>63</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COSTCO WHOLESALE CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>22160K105</cusip>
        <value>785164</value>
        <shrsOrPrnAmt>
            <sshPrnamt>788</sshPrnamt>
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        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>788</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>22822V101</cusip>
        <value>52443</value>
        <shrsOrPrnAmt>
            <sshPrnamt>645</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>185</Sole>
            <Shared>0</Shared>
            <None>460</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CUMMINS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>231021106</cusip>
        <value>1240660</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2306</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2286</Sole>
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            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CUMMINS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>231021106</cusip>
        <value>56491</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>DANAHER CORP DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>235851102</cusip>
        <value>299745</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1581</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1581</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>244199105</cusip>
        <value>1075867</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1910</sshPrnamt>
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        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1895</Sole>
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            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>244199105</cusip>
        <value>33795</value>
        <shrsOrPrnAmt>
            <sshPrnamt>60</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>40</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>253868103</cusip>
        <value>54422</value>
        <shrsOrPrnAmt>
            <sshPrnamt>302</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>302</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>25434V500</cusip>
        <value>879378</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12363</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12363</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>254687106</cusip>
        <value>535283</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5554</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5524</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>254687106</cusip>
        <value>8191</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>6045</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 HLDGS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>260557103</cusip>
        <value>654974</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15726</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15726</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26441C204</cusip>
        <value>480280</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3668</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3608</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26441C204</cusip>
        <value>9820</value>
        <shrsOrPrnAmt>
            <sshPrnamt>75</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>75</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EOG RES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26875P101</cusip>
        <value>800328</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5536</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5476</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>EOG RES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26875P101</cusip>
        <value>18794</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>ECOLAB INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>278865100</cusip>
        <value>409647</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1540</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1540</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>291011104</cusip>
        <value>189584</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1447</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>447</Sole>
            <Shared>0</Shared>
            <None>1000</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>29250N105</cusip>
        <value>107121</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1979</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>666</Sole>
            <Shared>0</Shared>
            <None>1313</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>29273V100</cusip>
        <value>53587</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2778</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2778</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>293792107</cusip>
        <value>157982</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>EXXON MOBIL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30231G102</cusip>
        <value>1649077</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9720</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9720</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30303M102</cusip>
        <value>1587631</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2775</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2755</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30303M102</cusip>
        <value>31466</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>FEDEX CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>31428X106</cusip>
        <value>5342</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>30888</value>
        <shrsOrPrnAmt>
            <sshPrnamt>665</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>665</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>44899</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>FORTIVE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>34959J108</cusip>
        <value>240356</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4349</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4349</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FREEPORT MCMORAN INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>35671D857</cusip>
        <value>189709</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3228</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3228</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>369550108</cusip>
        <value>1170674</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3411</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3366</Sole>
            <Shared>0</Shared>
            <None>45</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>369550108</cusip>
        <value>67953</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>GE AEROSPACE</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>369604301</cusip>
        <value>33767</value>
        <shrsOrPrnAmt>
            <sshPrnamt>119</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>119</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>37045V100</cusip>
        <value>91783</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1232</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1232</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>372460105</cusip>
        <value>63450</value>
        <shrsOrPrnAmt>
            <sshPrnamt>600</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>140</Sole>
            <Shared>0</Shared>
            <None>460</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>372460105</cusip>
        <value>18506</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>GILEAD SCIENCES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>375558103</cusip>
        <value>6550</value>
        <shrsOrPrnAmt>
            <sshPrnamt>47</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>47</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>37954Y889</cusip>
        <value>820575</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>342615</value>
        <shrsOrPrnAmt>
            <sshPrnamt>405</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>155</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>40412C101</cusip>
        <value>7098</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>HALLIBURTON CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>406216101</cusip>
        <value>19490</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>16567</value>
        <shrsOrPrnAmt>
            <sshPrnamt>177</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>177</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>42824C109</cusip>
        <value>6116</value>
        <shrsOrPrnAmt>
            <sshPrnamt>257</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>257</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>437076102</cusip>
        <value>738974</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2247</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1777</Sole>
            <Shared>0</Shared>
            <None>470</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>437076102</cusip>
        <value>37821</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>1399326</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6191</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5476</Sole>
            <Shared>0</Shared>
            <None>715</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>438516106</cusip>
        <value>4520</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>27152</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1735</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1735</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ITT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>45073V108</cusip>
        <value>4572</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>INGREDION INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>457187102</cusip>
        <value>36050</value>
        <shrsOrPrnAmt>
            <sshPrnamt>320</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>320</Sole>
            <Shared>0</Shared>
            <None>0</None>
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    <infoTable>
        <nameOfIssuer>INGREDION INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>457187102</cusip>
        <value>84495</value>
        <shrsOrPrnAmt>
            <sshPrnamt>750</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>150</Sole>
            <Shared>0</Shared>
            <None>600</None>
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    <infoTable>
        <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>45866F104</cusip>
        <value>754778</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4799</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4749</Sole>
            <Shared>0</Shared>
            <None>50</None>
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    <infoTable>
        <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>45866F104</cusip>
        <value>56620</value>
        <shrsOrPrnAmt>
            <sshPrnamt>360</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>235</Sole>
            <Shared>0</Shared>
            <None>125</None>
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    <infoTable>
        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>651279</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2687</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2267</Sole>
            <Shared>0</Shared>
            <None>420</None>
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    <infoTable>
        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>23025</value>
        <shrsOrPrnAmt>
            <sshPrnamt>95</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>INTUIT</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>461202103</cusip>
        <value>5188</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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        <cusip>46137V357</cusip>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>789</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>46428Q109</cusip>
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        <shrsOrPrnAmt>
            <sshPrnamt>467</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>467</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>464285204</cusip>
        <value>97405</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1105</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1105</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>464285204</cusip>
        <value>23624</value>
        <shrsOrPrnAmt>
            <sshPrnamt>268</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>268</Sole>
            <Shared>0</Shared>
            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287168</cusip>
        <value>270718</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1788</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1788</Sole>
            <Shared>0</Shared>
            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287200</cusip>
        <value>4448349</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6810</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6504</Sole>
            <Shared>192</Shared>
            <None>114</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287200</cusip>
        <value>211637</value>
        <shrsOrPrnAmt>
            <sshPrnamt>324</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>324</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464287226</cusip>
        <value>1271449</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12808</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12808</Sole>
            <Shared>0</Shared>
            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287309</cusip>
        <value>1511715</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13365</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13365</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287408</cusip>
        <value>1481428</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7016</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7016</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>464287465</cusip>
        <value>3064934</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31555</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>17733</Sole>
            <Shared>0</Shared>
            <None>13822</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>464287465</cusip>
        <value>77509</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>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>464287507</cusip>
        <value>6250840</value>
        <shrsOrPrnAmt>
            <sshPrnamt>92578</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>73123</Sole>
            <Shared>945</Shared>
            <None>18510</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>464287507</cusip>
        <value>271901</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4027</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2027</Sole>
            <Shared>0</Shared>
            <None>2000</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287614</cusip>
        <value>651948</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1529</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1529</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287655</cusip>
        <value>412672</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1664</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1664</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287655</cusip>
        <value>100192</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>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287713</cusip>
        <value>4520</value>
        <shrsOrPrnAmt>
            <sshPrnamt>115</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>115</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287713</cusip>
        <value>3931</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>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287804</cusip>
        <value>2194933</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17657</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10709</Sole>
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            <None>6948</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>464288158</cusip>
        <value>404274</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3796</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3796</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288414</cusip>
        <value>408146</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3845</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3845</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288513</cusip>
        <value>206856</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2600</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2500</Sole>
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            <None>100</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288612</cusip>
        <value>119694</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1122</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1122</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288646</cusip>
        <value>109324</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2080</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2080</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46429B267</cusip>
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        <shrsOrPrnAmt>
            <sshPrnamt>8500</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8500</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>46429B663</cusip>
        <value>380694</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2805</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2805</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46432F842</cusip>
        <value>13436689</value>
        <shrsOrPrnAmt>
            <sshPrnamt>148423</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>146244</Sole>
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            <None>2179</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46432F842</cusip>
        <value>992111</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10959</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8456</Sole>
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            <None>2503</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>46432F859</cusip>
        <value>1527821</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31534</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>31534</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES INC</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46434G103</cusip>
        <value>4868107</value>
        <shrsOrPrnAmt>
            <sshPrnamt>69794</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>68609</Sole>
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            <None>1185</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES INC</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46434G103</cusip>
        <value>157701</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2261</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2261</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>46434V621</cusip>
        <value>375112</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5345</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5345</Sole>
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            <None>0</None>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46434V738</cusip>
        <value>601019</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8553</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8553</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>2051677</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6975</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6015</Sole>
            <Shared>0</Shared>
            <None>960</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>125013</value>
        <shrsOrPrnAmt>
            <sshPrnamt>425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
            <Shared>0</Shared>
            <None>200</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>1769730</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7240</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6535</Sole>
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            <None>705</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>45710</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>
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    <infoTable>
        <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>502431109</cusip>
        <value>76274</value>
        <shrsOrPrnAmt>
            <sshPrnamt>221</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>221</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>512807306</cusip>
        <value>161951</value>
        <shrsOrPrnAmt>
            <sshPrnamt>758</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>758</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>532457108</cusip>
        <value>641058</value>
        <shrsOrPrnAmt>
            <sshPrnamt>697</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>687</Sole>
            <Shared>0</Shared>
            <None>10</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>532457108</cusip>
        <value>32190</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>35</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
        <value>296147</value>
        <shrsOrPrnAmt>
            <sshPrnamt>490</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>190</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>LOWES COS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>548661107</cusip>
        <value>92857</value>
        <shrsOrPrnAmt>
            <sshPrnamt>393</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>393</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>571903202</cusip>
        <value>856914</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2620</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2575</Sole>
            <Shared>0</Shared>
            <None>45</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>571903202</cusip>
        <value>45789</value>
        <shrsOrPrnAmt>
            <sshPrnamt>140</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>140</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>573874104</cusip>
        <value>809129</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8169</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8049</Sole>
            <Shared>0</Shared>
            <None>120</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>573874104</cusip>
        <value>53486</value>
        <shrsOrPrnAmt>
            <sshPrnamt>540</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>390</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>6941</value>
        <shrsOrPrnAmt>
            <sshPrnamt>115</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>115</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>13581</value>
        <shrsOrPrnAmt>
            <sshPrnamt>225</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>738704</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2377</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1927</Sole>
            <Shared>0</Shared>
            <None>450</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>69925</value>
        <shrsOrPrnAmt>
            <sshPrnamt>225</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58155Q103</cusip>
        <value>12980</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>
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    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>1878902</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15620</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15545</Sole>
            <Shared>0</Shared>
            <None>75</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>27065</value>
        <shrsOrPrnAmt>
            <sshPrnamt>225</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
        <value>5380615</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14536</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13526</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>153616</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>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>595017104</cusip>
        <value>166046</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2570</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>2170</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>595017104</cusip>
        <value>25844</value>
        <shrsOrPrnAmt>
            <sshPrnamt>400</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>609207105</cusip>
        <value>13831</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>1206285</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7330</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7255</Sole>
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            <None>75</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>617446448</cusip>
        <value>74055</value>
        <shrsOrPrnAmt>
            <sshPrnamt>450</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>275</Sole>
            <Shared>0</Shared>
            <None>175</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NETFLIX INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>64110L106</cusip>
        <value>525453</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5465</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5415</Sole>
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            <None>50</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NETFLIX INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>64110L106</cusip>
        <value>23075</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>NEXTERA ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>65339F101</cusip>
        <value>658326</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7088</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7013</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>10216</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>NORTHROP GRUMMAN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>666807102</cusip>
        <value>622180</value>
        <shrsOrPrnAmt>
            <sshPrnamt>912</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>912</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>666807102</cusip>
        <value>17055</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>COMMON STOCK</titleOfClass>
        <cusip>66987V109</cusip>
        <value>45213</value>
        <shrsOrPrnAmt>
            <sshPrnamt>296</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>296</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>5293200</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30351</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>30201</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>122080</value>
        <shrsOrPrnAmt>
            <sshPrnamt>700</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>550</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
        <titleOfClass>WARRANTS &amp; RIGHTS</titleOfClass>
        <cusip>674599162</cusip>
        <value>5361</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>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>511191</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3475</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3435</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>17652</value>
        <shrsOrPrnAmt>
            <sshPrnamt>120</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>120</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>1035433</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4976</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4938</Sole>
            <Shared>0</Shared>
            <None>38</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>693475105</cusip>
        <value>26011</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>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>69608A108</cusip>
        <value>317271</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2169</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2149</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>69608A108</cusip>
        <value>16090</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>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>697435105</cusip>
        <value>743555</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4638</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4578</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>697435105</cusip>
        <value>25650</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>PARKER-HANNIFIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>701094104</cusip>
        <value>46550</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>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>704326107</cusip>
        <value>215560</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2340</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <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>39151</value>
        <shrsOrPrnAmt>
            <sshPrnamt>425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <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>330592</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7311</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7311</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>1484384</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9559</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8604</Sole>
            <Shared>0</Shared>
            <None>955</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>27174</value>
        <shrsOrPrnAmt>
            <sshPrnamt>175</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <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>396822</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14137</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11742</Sole>
            <Shared>0</Shared>
            <None>2395</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>3087</value>
        <shrsOrPrnAmt>
            <sshPrnamt>110</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>110</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>718172109</cusip>
        <value>51089</value>
        <shrsOrPrnAmt>
            <sshPrnamt>309</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>309</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>72201R783</cusip>
        <value>28630</value>
        <shrsOrPrnAmt>
            <sshPrnamt>307</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>307</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PRINCIPAL EXCHANGE TRADED FD</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74255Y888</cusip>
        <value>233503</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12414</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12414</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>1381105</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9562</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8722</Sole>
            <Shared>0</Shared>
            <None>840</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>30332</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>PROGRESSIVE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>743315103</cusip>
        <value>11894</value>
        <shrsOrPrnAmt>
            <sshPrnamt>60</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>60</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74340W103</cusip>
        <value>544440</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4119</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4076</Sole>
            <Shared>0</Shared>
            <None>43</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74340W103</cusip>
        <value>19165</value>
        <shrsOrPrnAmt>
            <sshPrnamt>145</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>145</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>744320102</cusip>
        <value>118495</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1213</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>513</Sole>
            <Shared>0</Shared>
            <None>700</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74460D109</cusip>
        <value>641433</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2368</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2073</Sole>
            <Shared>0</Shared>
            <None>295</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74460D109</cusip>
        <value>18960</value>
        <shrsOrPrnAmt>
            <sshPrnamt>70</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>70</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>747525103</cusip>
        <value>189691</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1473</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>673</Sole>
            <Shared>0</Shared>
            <None>800</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74834L100</cusip>
        <value>38803</value>
        <shrsOrPrnAmt>
            <sshPrnamt>198</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>198</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>754730109</cusip>
        <value>5212</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>36</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>1558229</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8078</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8028</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>43402</value>
        <shrsOrPrnAmt>
            <sshPrnamt>225</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>175</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>78409V104</cusip>
        <value>4253</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STATE STR SPDR S&amp;P 500 ETF T</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>78462F103</cusip>
        <value>932570</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1434</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1434</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>78463V107</cusip>
        <value>25386</value>
        <shrsOrPrnAmt>
            <sshPrnamt>59</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>59</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>78464A474</cusip>
        <value>514499</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17116</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>16124</Sole>
            <Shared>0</Shared>
            <None>992</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STATE STR SPDR S&amp;P MIDCAP 40</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>78467Y107</cusip>
        <value>183793</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 SERIES TRUST</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>78468R606</cusip>
        <value>23215</value>
        <shrsOrPrnAmt>
            <sshPrnamt>996</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>996</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>79466L302</cusip>
        <value>886098</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4747</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4727</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>79466L302</cusip>
        <value>18666</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SLB LIMITED</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>806857108</cusip>
        <value>7450</value>
        <shrsOrPrnAmt>
            <sshPrnamt>145</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>145</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>808524854</cusip>
        <value>812062</value>
        <shrsOrPrnAmt>
            <sshPrnamt>32613</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>32613</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>808524862</cusip>
        <value>910972</value>
        <shrsOrPrnAmt>
            <sshPrnamt>37535</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>37535</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>81369Y100</cusip>
        <value>225064</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4504</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4504</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>81369Y209</cusip>
        <value>175932</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 - LARGE CAP</titleOfClass>
        <cusip>81369Y407</cusip>
        <value>132955</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1220</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1220</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>81369Y704</cusip>
        <value>116445</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 - LARGE CAP</titleOfClass>
        <cusip>81369Y803</cusip>
        <value>70968</value>
        <shrsOrPrnAmt>
            <sshPrnamt>534</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>534</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>81369Y886</cusip>
        <value>201504</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4392</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4392</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>824348106</cusip>
        <value>3846</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>SNAP ON INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>833034101</cusip>
        <value>14890</value>
        <shrsOrPrnAmt>
            <sshPrnamt>41</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>41</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTH PLAINS FINANCIAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>83946P107</cusip>
        <value>139443</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3328</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>3328</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>842587107</cusip>
        <value>135609</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1405</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>715</Sole>
            <Shared>0</Shared>
            <None>690</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>842587107</cusip>
        <value>19304</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>STARBUCKS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>855244109</cusip>
        <value>165112</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1843</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>543</Sole>
            <Shared>0</Shared>
            <None>1300</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>855244109</cusip>
        <value>8959</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>STEEL DYNAMICS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>858119100</cusip>
        <value>18000</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>863667101</cusip>
        <value>661743</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2014</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1999</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>863667101</cusip>
        <value>18070</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>SYNOPSYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>871607107</cusip>
        <value>7532</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>SYSCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>871829107</cusip>
        <value>100574</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1410</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>510</Sole>
            <Shared>0</Shared>
            <None>900</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>872540109</cusip>
        <value>74258</value>
        <shrsOrPrnAmt>
            <sshPrnamt>465</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>465</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>872590104</cusip>
        <value>425713</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2027</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2007</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>872590104</cusip>
        <value>22051</value>
        <shrsOrPrnAmt>
            <sshPrnamt>105</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>105</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TARGET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>87612E106</cusip>
        <value>31390</value>
        <shrsOrPrnAmt>
            <sshPrnamt>259</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>259</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>87807B107</cusip>
        <value>33929</value>
        <shrsOrPrnAmt>
            <sshPrnamt>542</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>542</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TESLA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>88160R101</cusip>
        <value>1564674</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4209</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4189</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TESLA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>88160R101</cusip>
        <value>42751</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>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>883556102</cusip>
        <value>1215010</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2472</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2457</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>883556102</cusip>
        <value>17202</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>892356106</cusip>
        <value>342382</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7560</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7480</Sole>
            <Shared>0</Shared>
            <None>80</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>892356106</cusip>
        <value>15624</value>
        <shrsOrPrnAmt>
            <sshPrnamt>345</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>345</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>89832Q109</cusip>
        <value>94697</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2060</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>560</Sole>
            <Shared>0</Shared>
            <None>1500</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>US BANCORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>902973304</cusip>
        <value>82420</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1585</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>240</Sole>
            <Shared>0</Shared>
            <None>1345</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>US BANCORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>902973304</cusip>
        <value>10400</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>UBER TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>90353T100</cusip>
        <value>558383</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7763</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7638</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>90353T100</cusip>
        <value>23736</value>
        <shrsOrPrnAmt>
            <sshPrnamt>330</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>330</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>907818108</cusip>
        <value>603139</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2486</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2486</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>911363109</cusip>
        <value>375916</value>
        <shrsOrPrnAmt>
            <sshPrnamt>516</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>511</Sole>
            <Shared>0</Shared>
            <None>5</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>911363109</cusip>
        <value>14569</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>UNITEDHEALTH GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>91324P102</cusip>
        <value>17857</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>66</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>91913Y100</cusip>
        <value>21248</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>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>921908844</cusip>
        <value>614210</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 BD INDEX FDS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>921937819</cusip>
        <value>132749</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1720</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1720</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>2495811</value>
        <shrsOrPrnAmt>
            <sshPrnamt>33897</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>32231</Sole>
            <Shared>0</Shared>
            <None>1666</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>921937835</cusip>
        <value>269261</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3657</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3122</Sole>
            <Shared>535</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>921943858</cusip>
        <value>1565663</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24433</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24433</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>1952292</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36127</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>29766</Sole>
            <Shared>0</Shared>
            <None>6361</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>922042858</cusip>
        <value>42529</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>2956419</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50503</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>44504</Sole>
            <Shared>0</Shared>
            <None>5999</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C102</cusip>
        <value>281866</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4815</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4471</Sole>
            <Shared>344</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C706</cusip>
        <value>1638274</value>
        <shrsOrPrnAmt>
            <sshPrnamt>27516</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>26394</Sole>
            <Shared>0</Shared>
            <None>1122</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C706</cusip>
        <value>175401</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2946</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2300</Sole>
            <Shared>646</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>922908553</cusip>
        <value>1526773</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17213</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14321</Sole>
            <Shared>0</Shared>
            <None>2892</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>922908553</cusip>
        <value>75128</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>ETF - SMALL CAP</titleOfClass>
        <cusip>922908595</cusip>
        <value>14810</value>
        <shrsOrPrnAmt>
            <sshPrnamt>49</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>49</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>922908629</cusip>
        <value>2231022</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7769</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7769</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>922908744</cusip>
        <value>268401</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1368</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1368</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92343V104</cusip>
        <value>132376</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2637</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1237</Sole>
            <Shared>0</Shared>
            <None>1400</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VISA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92826C839</cusip>
        <value>2065711</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6835</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6785</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VISA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92826C839</cusip>
        <value>3022</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>1783024</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14347</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14247</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>931142103</cusip>
        <value>57790</value>
        <shrsOrPrnAmt>
            <sshPrnamt>465</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>315</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>94106L109</cusip>
        <value>163150</value>
        <shrsOrPrnAmt>
            <sshPrnamt>710</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>120</Sole>
            <Shared>0</Shared>
            <None>590</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>94106L109</cusip>
        <value>126384</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 &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>949746101</cusip>
        <value>322178</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4047</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4047</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>969457100</cusip>
        <value>100071</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1375</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1375</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WILLIAMS SONOMA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>969904101</cusip>
        <value>9481</value>
        <shrsOrPrnAmt>
            <sshPrnamt>52</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>52</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>97717W315</cusip>
        <value>380548</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7660</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>7660</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>97717W315</cusip>
        <value>168017</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3382</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1114</Sole>
            <Shared>0</Shared>
            <None>2268</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>97717W604</cusip>
        <value>12180</value>
        <shrsOrPrnAmt>
            <sshPrnamt>339</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>339</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ZOETIS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>98978V103</cusip>
        <value>751317</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6356</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6306</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ZOETIS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>98978V103</cusip>
        <value>13594</value>
        <shrsOrPrnAmt>
            <sshPrnamt>115</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
</informationTable>
