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        <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
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        <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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        <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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            <Sole>50</Sole>
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        <nameOfIssuer>JOHNSON CONTROLS INTERNATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G51502105</cusip>
        <value>9058</value>
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        <nameOfIssuer>LINDE PLC</nameOfIssuer>
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        <value>44108</value>
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        <nameOfIssuer>LINDE PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G54950103</cusip>
        <value>20757</value>
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        <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
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        <cusip>G5960L103</cusip>
        <value>186709</value>
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            <Sole>1617</Sole>
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        <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G5960L103</cusip>
        <value>7822</value>
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            <sshPrnamt>100</sshPrnamt>
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            <None>100</None>
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        <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>G87052109</cusip>
        <value>482237</value>
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            <Sole>2392</Sole>
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        <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
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        <cusip>H1467J104</cusip>
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            <sshPrnamt>1655</sshPrnamt>
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        <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
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        <cusip>N6596X109</cusip>
        <value>13488</value>
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            <Sole>48</Sole>
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        <nameOfIssuer>FLEX LTD</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>Y2573F102</cusip>
        <value>32900</value>
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        <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>002824100</cusip>
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        <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>002824100</cusip>
        <value>15425</value>
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        <nameOfIssuer>ABBVIE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>00287Y109</cusip>
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        <nameOfIssuer>ABBVIE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <nameOfIssuer>ADOBE INC</nameOfIssuer>
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        <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>007903107</cusip>
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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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        <cusip>009158106</cusip>
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        <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
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        <cusip>020002101</cusip>
        <value>87082</value>
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        <cusip>02079K107</cusip>
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        <nameOfIssuer>ALPHABET INC</nameOfIssuer>
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        <nameOfIssuer>ALPHABET INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>02079K305</cusip>
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        <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
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        <cusip>02209S103</cusip>
        <value>140805</value>
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        <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>02209S103</cusip>
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        <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
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        <cusip>023135106</cusip>
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        <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
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        <cusip>025072604</cusip>
        <value>847469</value>
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        <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>025537101</cusip>
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            <None>900</None>
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        <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>025816109</cusip>
        <value>162359</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>480</Sole>
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        <value>77121</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>200</Sole>
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            <None>28</None>
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        <nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>03027X100</cusip>
        <value>211971</value>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>1296</Sole>
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        <nameOfIssuer>AMERIPRISE FINL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>03076C106</cusip>
        <value>505995</value>
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            <sshPrnamt>1103</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
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            <Sole>1103</Sole>
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        <nameOfIssuer>APPLE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>037833100</cusip>
        <value>7736035</value>
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            <sshPrnamt>26736</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
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        <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>038222105</cusip>
        <value>600813</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>DFND</investmentDiscretion>
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        <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <value>72300</value>
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        <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>040413205</cusip>
        <value>154588</value>
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            <sshPrnamt>910</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>910</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>40644</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 OF AMER CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>060505104</cusip>
        <value>1119449</value>
        <shrsOrPrnAmt>
            <sshPrnamt>19650</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>19450</Sole>
            <Shared>0</Shared>
            <None>200</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BANK OF AMER CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>060505104</cusip>
        <value>37030</value>
        <shrsOrPrnAmt>
            <sshPrnamt>650</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>650</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BANK OF NY MELLON CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>064058100</cusip>
        <value>137089</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>1582199</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3162</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3150</Sole>
            <Shared>0</Shared>
            <None>12</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>084670702</cusip>
        <value>17512</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>523851</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4452</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4452</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>09290D101</cusip>
        <value>1078843</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1122</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>957</Sole>
            <Shared>0</Shared>
            <None>165</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>09290D101</cusip>
        <value>65384</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>666972</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3742</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3742</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BROADCOM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>11135F101</cusip>
        <value>3568581</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9447</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8912</Sole>
            <Shared>0</Shared>
            <None>535</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>BROADCOM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>11135F101</cusip>
        <value>49106</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>113945</value>
        <shrsOrPrnAmt>
            <sshPrnamt>516</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <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>1161605</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3095</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3065</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>127387108</cusip>
        <value>91952</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>2380037</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2235</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1985</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>16411R208</cusip>
        <value>59991</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>1170420</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7061</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6436</Sole>
            <Shared>0</Shared>
            <None>625</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>166764100</cusip>
        <value>39948</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>3293</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>34</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>17275R102</cusip>
        <value>962215</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8192</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8192</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>17275R102</cusip>
        <value>270158</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>0</Shared>
            <None>2200</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>172967424</cusip>
        <value>26172</value>
        <shrsOrPrnAmt>
            <sshPrnamt>187</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>187</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COCA COLA CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>191216100</cusip>
        <value>4713</value>
        <shrsOrPrnAmt>
            <sshPrnamt>58</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>58</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>20030N101</cusip>
        <value>81987</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3341</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1141</Sole>
            <Shared>0</Shared>
            <None>2200</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>20825C104</cusip>
        <value>526853</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5068</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5068</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COPART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>217204106</cusip>
        <value>2254</value>
        <shrsOrPrnAmt>
            <sshPrnamt>80</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>80</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CORNING INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>219350105</cusip>
        <value>33715</value>
        <shrsOrPrnAmt>
            <sshPrnamt>132</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>132</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>COSTCO WHOLESALE CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>22160K105</cusip>
        <value>726845</value>
        <shrsOrPrnAmt>
            <sshPrnamt>777</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>777</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>22822V101</cusip>
        <value>48839</value>
        <shrsOrPrnAmt>
            <sshPrnamt>645</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>185</Sole>
            <Shared>0</Shared>
            <None>460</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CUMMINS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>231021106</cusip>
        <value>1661055</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2329</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2309</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>CUMMINS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>231021106</cusip>
        <value>74886</value>
        <shrsOrPrnAmt>
            <sshPrnamt>105</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <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>327610</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>DEERE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>244199105</cusip>
        <value>1185544</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1869</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1854</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>244199105</cusip>
        <value>38058</value>
        <shrsOrPrnAmt>
            <sshPrnamt>60</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <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>54232</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>1005205</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12208</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12208</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>254687106</cusip>
        <value>496544</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5159</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5129</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>254687106</cusip>
        <value>6737</value>
        <shrsOrPrnAmt>
            <sshPrnamt>70</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>70</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DOW HLDGS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>260557103</cusip>
        <value>90722</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3316</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3316</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26441C204</cusip>
        <value>464287</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>9493</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>452232</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3486</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3426</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EOG RES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26875P101</cusip>
        <value>3891</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>30</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ECOLAB INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>278865100</cusip>
        <value>425967</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1529</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1529</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>291011104</cusip>
        <value>203128</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1419</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>419</Sole>
            <Shared>0</Shared>
            <None>1000</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>29250N105</cusip>
        <value>107260</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1979</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>666</Sole>
            <Shared>0</Shared>
            <None>1313</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>29273V100</cusip>
        <value>53087</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2778</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2778</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>293792107</cusip>
        <value>153431</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>1344622</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9835</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9835</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30231G102</cusip>
        <value>10937</value>
        <shrsOrPrnAmt>
            <sshPrnamt>80</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>80</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30303M102</cusip>
        <value>1777683</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3156</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3136</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30303M102</cusip>
        <value>30979</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>FIFTH THIRD BANCORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>316773100</cusip>
        <value>37478</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>56378</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>273666</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4480</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4480</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FREEPORT MCMORAN INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>35671D857</cusip>
        <value>202976</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>1208260</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>70135</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>122951</value>
        <shrsOrPrnAmt>
            <sshPrnamt>329</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>329</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>37045V100</cusip>
        <value>75691</value>
        <shrsOrPrnAmt>
            <sshPrnamt>982</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>982</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>372460105</cusip>
        <value>70787</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>8848</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>GLOBAL X FDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>37954Y889</cusip>
        <value>929250</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>330712</value>
        <shrsOrPrnAmt>
            <sshPrnamt>327</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>77</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>40412C101</cusip>
        <value>5848</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>16975</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>14618</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>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>437076102</cusip>
        <value>793491</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1780</Sole>
            <Shared>0</Shared>
            <None>470</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>437076102</cusip>
        <value>40556</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>HUNTINGTON BANCSHARES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>446150104</cusip>
        <value>37034</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2090</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2090</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INGREDION INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>457187102</cusip>
        <value>30306</value>
        <shrsOrPrnAmt>
            <sshPrnamt>320</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>320</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INGREDION INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>457187102</cusip>
        <value>71032</value>
        <shrsOrPrnAmt>
            <sshPrnamt>750</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>150</Sole>
            <Shared>0</Shared>
            <None>600</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTEL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>458140100</cusip>
        <value>418</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>45866F104</cusip>
        <value>565923</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4597</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4547</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>45866F104</cusip>
        <value>36932</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>175</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>829821</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2951</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2531</Sole>
            <Shared>0</Shared>
            <None>420</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>26714</value>
        <shrsOrPrnAmt>
            <sshPrnamt>95</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>95</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>46137V357</cusip>
        <value>49149</value>
        <shrsOrPrnAmt>
            <sshPrnamt>231</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>231</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>46428Q109</cusip>
        <value>24970</value>
        <shrsOrPrnAmt>
            <sshPrnamt>467</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>467</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>464285204</cusip>
        <value>83437</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1105</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1105</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
        <titleOfClass>ETF - ALTERNATIVE INVESTMENTS</titleOfClass>
        <cusip>464285204</cusip>
        <value>20236</value>
        <shrsOrPrnAmt>
            <sshPrnamt>268</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>268</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287168</cusip>
        <value>279463</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1788</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1788</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287200</cusip>
        <value>5061736</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6759</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6453</Sole>
            <Shared>192</Shared>
            <None>114</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287200</cusip>
        <value>242636</value>
        <shrsOrPrnAmt>
            <sshPrnamt>324</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>324</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464287226</cusip>
        <value>1287629</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13009</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13009</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287309</cusip>
        <value>1838088</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13365</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13365</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287408</cusip>
        <value>1593052</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7016</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7016</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>464287465</cusip>
        <value>3275747</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31534</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>17712</Sole>
            <Shared>0</Shared>
            <None>13822</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>464287465</cusip>
        <value>82896</value>
        <shrsOrPrnAmt>
            <sshPrnamt>798</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>798</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>464287507</cusip>
        <value>7024376</value>
        <shrsOrPrnAmt>
            <sshPrnamt>91096</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>71641</Sole>
            <Shared>945</Shared>
            <None>18510</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - MID CAP</titleOfClass>
        <cusip>464287507</cusip>
        <value>310520</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4027</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2027</Sole>
            <Shared>0</Shared>
            <None>2000</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287614</cusip>
        <value>759422</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6116</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6116</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287655</cusip>
        <value>490917</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1634</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1634</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287655</cusip>
        <value>121377</value>
        <shrsOrPrnAmt>
            <sshPrnamt>404</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>404</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287713</cusip>
        <value>4865</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>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>464287713</cusip>
        <value>4231</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>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - SMALL CAP</titleOfClass>
        <cusip>464287804</cusip>
        <value>2689000</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18131</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11183</Sole>
            <Shared>0</Shared>
            <None>6948</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>464288158</cusip>
        <value>372218</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3496</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3496</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288414</cusip>
        <value>381512</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3545</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3545</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288513</cusip>
        <value>207922</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2600</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2500</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288612</cusip>
        <value>119032</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1122</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1122</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>464288646</cusip>
        <value>108991</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2080</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2080</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46429B267</cusip>
        <value>193545</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>46429B663</cusip>
        <value>384285</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14025</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14025</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46432F842</cusip>
        <value>14313497</value>
        <shrsOrPrnAmt>
            <sshPrnamt>148204</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>146025</Sole>
            <Shared>0</Shared>
            <None>2179</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46432F842</cusip>
        <value>1045473</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10825</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8322</Sole>
            <Shared>0</Shared>
            <None>2503</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>46432F859</cusip>
        <value>1521515</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31534</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>31534</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES INC</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46434G103</cusip>
        <value>5837203</value>
        <shrsOrPrnAmt>
            <sshPrnamt>70464</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>69279</Sole>
            <Shared>0</Shared>
            <None>1185</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES INC</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46434G103</cusip>
        <value>187298</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2261</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2261</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>46434V621</cusip>
        <value>405097</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5345</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5345</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>ETF - INTERNATIONAL EQUITY</titleOfClass>
        <cusip>46434V738</cusip>
        <value>642929</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8553</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8553</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46435G268</cusip>
        <value>42424</value>
        <shrsOrPrnAmt>
            <sshPrnamt>463</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>463</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>2610028</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7974</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7014</Sole>
            <Shared>0</Shared>
            <None>960</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>139111</value>
        <shrsOrPrnAmt>
            <sshPrnamt>425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
            <Shared>0</Shared>
            <None>200</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>1822977</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7178</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6473</Sole>
            <Shared>0</Shared>
            <None>705</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>47490</value>
        <shrsOrPrnAmt>
            <sshPrnamt>187</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>137</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>502431109</cusip>
        <value>64216</value>
        <shrsOrPrnAmt>
            <sshPrnamt>221</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>221</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>512807306</cusip>
        <value>576310</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1330</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1330</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>835984</value>
        <shrsOrPrnAmt>
            <sshPrnamt>697</sshPrnamt>
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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>41979</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>249629</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>86651</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>956087</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2580</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2535</Sole>
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            <None>45</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>571903202</cusip>
        <value>51880</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>2421461</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8129</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8009</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>160855</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>6102</value>
        <shrsOrPrnAmt>
            <sshPrnamt>75</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>75</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>18308</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>631949</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2338</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1888</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>54060</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</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>11333</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>1972843</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15353</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15278</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>28912</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>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
        <value>5412715</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14511</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13501</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>154797</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>234384</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2570</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <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>36480</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>13881</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>1514272</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7244</sshPrnamt>
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        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7169</Sole>
            <Shared>0</Shared>
            <None>75</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>617446448</cusip>
        <value>94068</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>390201</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>17136</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>612537</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6979</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6904</Sole>
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            <None>75</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>65339F101</cusip>
        <value>9654</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>453265</value>
        <shrsOrPrnAmt>
            <sshPrnamt>890</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>890</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>666807102</cusip>
        <value>12732</value>
        <shrsOrPrnAmt>
            <sshPrnamt>25</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>25</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>66987V109</cusip>
        <value>46389</value>
        <shrsOrPrnAmt>
            <sshPrnamt>296</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>296</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>5847203</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29223</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>29073</Sole>
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            <None>150</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>140062</value>
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            <sshPrnamt>700</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>550</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
        <titleOfClass>WARRANTS &amp; RIGHTS</titleOfClass>
        <cusip>674599162</cusip>
        <value>3326</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>505294</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3448</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3408</Sole>
            <Shared>0</Shared>
            <None>40</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>17584</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>
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    <infoTable>
        <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>693475105</cusip>
        <value>1190944</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4837</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4799</Sole>
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            <None>38</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>693475105</cusip>
        <value>30776</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>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>69608A108</cusip>
        <value>443674</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3803</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3783</Sole>
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            <None>20</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>69608A108</cusip>
        <value>12832</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>1574772</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4618</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4558</Sole>
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            <None>60</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>697435105</cusip>
        <value>54560</value>
        <shrsOrPrnAmt>
            <sshPrnamt>160</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>160</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>704326107</cusip>
        <value>230091</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2340</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1075</Sole>
            <Shared>0</Shared>
            <None>1265</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>704326107</cusip>
        <value>41790</value>
        <shrsOrPrnAmt>
            <sshPrnamt>425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>300</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>1261101</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9314</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8359</Sole>
            <Shared>0</Shared>
            <None>955</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>23695</value>
        <shrsOrPrnAmt>
            <sshPrnamt>175</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>125</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>340274</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>2647</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>55900</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>28707</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>236484</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>1372078</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9357</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8517</Sole>
            <Shared>0</Shared>
            <None>840</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>30794</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>13107</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>555277</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4099</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4056</Sole>
            <Shared>0</Shared>
            <None>43</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74340W103</cusip>
        <value>19641</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>130916</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1213</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>513</Sole>
            <Shared>0</Shared>
            <None>700</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74460D109</cusip>
        <value>667782</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2098</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1803</Sole>
            <Shared>0</Shared>
            <None>295</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74460D109</cusip>
        <value>3183</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>QUALCOMM INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>747525103</cusip>
        <value>272193</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1473</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <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>41966</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>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>1545132</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8144</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8094</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>42688</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>STATE STR SPDR S&amp;P 500 ETF T</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>78462F103</cusip>
        <value>1070866</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>21734</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>531180</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17706</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>16714</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>209590</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>23335</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>821028</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5241</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5221</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>79466L302</cusip>
        <value>15664</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>48115</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1035</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1035</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SLB LIMITED</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>806857108</cusip>
        <value>6973</value>
        <shrsOrPrnAmt>
            <sshPrnamt>150</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>150</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>808524862</cusip>
        <value>1983531</value>
        <shrsOrPrnAmt>
            <sshPrnamt>82202</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>82202</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>228937</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>190392</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>143081</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>133365</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>101737</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>199133</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>SNAP ON INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>833034101</cusip>
        <value>16497</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>143370</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>134470</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>19142</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>176276</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1725</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>425</Sole>
            <Shared>0</Shared>
            <None>1300</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>855244109</cusip>
        <value>10219</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>22946</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>602565</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1914</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1899</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>863667101</cusip>
        <value>17314</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>SYSCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>871829107</cusip>
        <value>117847</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>70447</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>339972</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>17610</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>33827</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>35929</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>1733640</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4122</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4102</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TESLA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>88160R101</cusip>
        <value>48366</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>1236307</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2466</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2451</Sole>
            <Shared>0</Shared>
            <None>15</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>883556102</cusip>
        <value>17547</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>238960</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>10904</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>102607</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>95734</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>12080</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>542776</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7523</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7398</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>90353T100</cusip>
        <value>22005</value>
        <shrsOrPrnAmt>
            <sshPrnamt>305</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>305</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>907818108</cusip>
        <value>659600</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2425</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>911363109</cusip>
        <value>584555</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>22656</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>20781</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>50</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>91913Y100</cusip>
        <value>22397</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>675785</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>131924</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>2468789</value>
        <shrsOrPrnAmt>
            <sshPrnamt>33635</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>32109</Sole>
            <Shared>0</Shared>
            <None>1526</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>921937835</cusip>
        <value>268420</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>1743413</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24469</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24469</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>2130983</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35707</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>29346</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>46967</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>2968932</value>
        <shrsOrPrnAmt>
            <sshPrnamt>51013</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>45014</Sole>
            <Shared>0</Shared>
            <None>5999</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C102</cusip>
        <value>280229</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>1636744</value>
        <shrsOrPrnAmt>
            <sshPrnamt>27756</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>26634</Sole>
            <Shared>0</Shared>
            <None>1122</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>ETF - FIXED INCOME</titleOfClass>
        <cusip>92206C706</cusip>
        <value>170773</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2896</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2250</Sole>
            <Shared>646</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>922908553</cusip>
        <value>1101494</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11423</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8531</Sole>
            <Shared>0</Shared>
            <None>2892</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>922908553</cusip>
        <value>81675</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>17919</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>2103903</value>
        <shrsOrPrnAmt>
            <sshPrnamt>26116</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>26116</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>ETF - LARGE CAP</titleOfClass>
        <cusip>922908744</cusip>
        <value>261297</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1199</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1199</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92343V104</cusip>
        <value>111648</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>2293122</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6684</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6634</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VISA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92826C839</cusip>
        <value>3430</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>1578142</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13934</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13834</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>931142103</cusip>
        <value>42698</value>
        <shrsOrPrnAmt>
            <sshPrnamt>377</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>227</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>94106L109</cusip>
        <value>158244</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>111440</value>
        <shrsOrPrnAmt>
            <sshPrnamt>500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>350</Sole>
            <Shared>0</Shared>
            <None>150</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>949746101</cusip>
        <value>334401</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>88834</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1195</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1195</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WILLIAMS SONOMA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>969904101</cusip>
        <value>12121</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>412031</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>181917</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>7932</value>
        <shrsOrPrnAmt>
            <sshPrnamt>195</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>195</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ZOETIS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>98978V103</cusip>
        <value>448167</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6237</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6187</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ZOETIS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>98978V103</cusip>
        <value>8263</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>
