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		<nameOfIssuer>3M Company</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>624</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4401</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4401</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>Abbott Laboratories</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>15489</value>
		<shrsOrPrnAmt>
			<sshPrnamt>385110</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>385110</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>Abbott Laboratories</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>145</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3610</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3610</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AbbVie, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>1299</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23880</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23880</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>AbbVie, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Accenture PLC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>305</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Akorn, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>009728106</cusip>
		<value>9871</value>
		<shrsOrPrnAmt>
			<sshPrnamt>346289</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>346289</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Akorn, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>009728106</cusip>
		<value>16</value>
		<shrsOrPrnAmt>
			<sshPrnamt>550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>550</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Allergan, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G0177J108</cusip>
		<value>27429</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100913</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>100913</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Allergan, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G0177J108</cusip>
		<value>31</value>
		<shrsOrPrnAmt>
			<sshPrnamt>115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>115</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Alphabet Inc. Class A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02079K305</cusip>
		<value>7431</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11641</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11641</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Alphabet Inc. Class A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02079K305</cusip>
		<value>32</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>50</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Alphabet Inc. Class C</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02079K107</cusip>
		<value>12123</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19925</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19925</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Alphabet Inc. Class C</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02079K107</cusip>
		<value>30</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>50</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
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		<nameOfIssuer>Altria Group Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02209S103</cusip>
		<value>1428</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26252</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26252</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Altria Group Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02209S103</cusip>
		<value>65</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1195</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Amazon.com Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023135106</cusip>
		<value>254</value>
		<shrsOrPrnAmt>
			<sshPrnamt>496</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>496</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>American Express Co.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2847</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2847</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Apple Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>19658</value>
		<shrsOrPrnAmt>
			<sshPrnamt>178220</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>178220</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Apple Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>28</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>250</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Arch Capital Group Ltd.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G0450A105</cusip>
		<value>287</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Arthur J. Gallagher &amp; Co.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>363576109</cusip>
		<value>680</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16465</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16465</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>6098</value>
		<shrsOrPrnAmt>
			<sshPrnamt>187176</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>187176</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>106</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3253</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3253</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Avalon Rare Metals Inc</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>053470100</cusip>
		<value>5</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Bank of America Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>217</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13903</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13903</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Bard (C.R.) Company, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>067383109</cusip>
		<value>358</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1920</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1920</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BB&amp;T Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>054937107</cusip>
		<value>2236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>62800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>62800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Berkshire Hathaway, Inc.- CL B</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670702</cusip>
		<value>3201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24547</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24547</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Bristol Myers Squibb, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>110122108</cusip>
		<value>1629</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27521</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>27521</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Canadian National Railway Co.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>136375102</cusip>
		<value>227</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cannabis Science Inc</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>137648101</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Chevron Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>1801</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22834</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22834</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Chipotle Mexican Grill Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>169656105</cusip>
		<value>24824</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34466</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34466</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Chipotle Mexican Grill Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>169656105</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>58</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>58</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cincinnati Financial Corporati</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>172062101</cusip>
		<value>917</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17040</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cisco Systems, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>17275R102</cusip>
		<value>618</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23537</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23537</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Coca-Cola Co.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>1255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31275</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31275</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Colgate Palmolive Co.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>194162103</cusip>
		<value>341</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5366</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5366</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Concho Resources Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20605P101</cusip>
		<value>11927</value>
		<shrsOrPrnAmt>
			<sshPrnamt>121332</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>121332</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Concho Resources Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20605P101</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>20</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ConocoPhillips</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20825C104</cusip>
		<value>5675</value>
		<shrsOrPrnAmt>
			<sshPrnamt>118325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>118325</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ConocoPhillips</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20825C104</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>355</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>355</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Consolidated Edison, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>209115104</cusip>
		<value>1150</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17201</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17201</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Corporate Office Properties Tr</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>22002T108</cusip>
		<value>1681</value>
		<shrsOrPrnAmt>
			<sshPrnamt>79930</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>79930</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Corporate Office Properties Tr</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>22002T108</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Costco Wholesale Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>22160K105</cusip>
		<value>361</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cummins Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>231021106</cusip>
		<value>11394</value>
		<shrsOrPrnAmt>
			<sshPrnamt>104936</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>104936</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cummins Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>231021106</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>220</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>220</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS Caremark Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>731</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7576</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7576</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Danaher Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>235851102</cusip>
		<value>754</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8850</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8850</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Dominion Resources, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25746U109</cusip>
		<value>988</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14040</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Dominion Resources, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25746U109</cusip>
		<value>63</value>
		<shrsOrPrnAmt>
			<sshPrnamt>900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Dow Chemical Co., Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>260543103</cusip>
		<value>309</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7296</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Dow Chemical Co., Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>260543103</cusip>
		<value>25</value>
		<shrsOrPrnAmt>
			<sshPrnamt>600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Du Pont (E.I.) De Nemours &amp; Co</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>263534109</cusip>
		<value>1960</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40670</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40670</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Du Pont (E.I.) De Nemours &amp; Co</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>263534109</cusip>
		<value>19</value>
		<shrsOrPrnAmt>
			<sshPrnamt>400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26441C204</cusip>
		<value>3687</value>
		<shrsOrPrnAmt>
			<sshPrnamt>51245</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>51245</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Duke Energy Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26441C204</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>503</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>503</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Edward Lifesciences, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>28176E108</cusip>
		<value>213</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Electronic Sensor Technology, </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>285835104</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>150000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Eli Lilly &amp; Company</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>532457108</cusip>
		<value>3467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41423</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41423</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Enbridge Energy Partners, L.P.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>29250R106</cusip>
		<value>389</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15750</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Enbridge Energy Partners, L.P.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>29250R106</cusip>
		<value>59</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Enterprise Products Partners L</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>293792107</cusip>
		<value>1247</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50078</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50078</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Express Scripts Holding Compan</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30219G108</cusip>
		<value>19234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>237573</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>237573</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Express Scripts Holding Compan</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30219G108</cusip>
		<value>51</value>
		<shrsOrPrnAmt>
			<sshPrnamt>625</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>625</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>3566</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47963</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>47963</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>2279</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30658</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>30658</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FelCor Lodging Trust Incorpora</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>31430F101</cusip>
		<value>85</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Fiserv Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>337738108</cusip>
		<value>214</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2475</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Ford Motor Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>345370860</cusip>
		<value>259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19082</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19082</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Electric Company</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>4687</value>
		<shrsOrPrnAmt>
			<sshPrnamt>185855</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>185855</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Electric Company</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>171</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6775</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6775</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Mills Corp., Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>370334104</cusip>
		<value>274</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4886</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4886</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Mills Corp., Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>370334104</cusip>
		<value>34</value>
		<shrsOrPrnAmt>
			<sshPrnamt>600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HCP, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>40414L109</cusip>
		<value>933</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25034</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25034</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HCP, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>40414L109</cusip>
		<value>160</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>4300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Home Depot, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>437076102</cusip>
		<value>2361</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20442</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20442</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Hospitality Properties Trust</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>44106M102</cusip>
		<value>176</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6895</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6895</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Hospitality Properties Trust</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>44106M102</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Intel Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>458140100</cusip>
		<value>2969</value>
		<shrsOrPrnAmt>
			<sshPrnamt>98516</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>98516</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Intel Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>458140100</cusip>
		<value>33</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Intl Business Machines, Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>459200101</cusip>
		<value>1122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7739</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7739</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Intl Business Machines, Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>459200101</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>J P Morgan Chase &amp; Co.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46625H100</cusip>
		<value>1597</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26186</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26186</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>J P Morgan Chase &amp; Co.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46625H100</cusip>
		<value>38</value>
		<shrsOrPrnAmt>
			<sshPrnamt>620</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>620</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
		<value>2229</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23875</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23875</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
		<value>84</value>
		<shrsOrPrnAmt>
			<sshPrnamt>900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kimberly Clark Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>494368103</cusip>
		<value>1420</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13026</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13026</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kimberly Clark Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>494368103</cusip>
		<value>98</value>
		<shrsOrPrnAmt>
			<sshPrnamt>900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kinder Morgan Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>49456B101</cusip>
		<value>2117</value>
		<shrsOrPrnAmt>
			<sshPrnamt>76487</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>76487</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kinder Morgan Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>49456B101</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>548</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>548</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lai Sun Development Co Ltd</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>Y51270182</cusip>
		<value>12</value>
		<shrsOrPrnAmt>
			<sshPrnamt>749000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>749000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lockheed Martin Corp. Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>539830109</cusip>
		<value>809</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3901</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3901</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lowes Companies, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>548661107</cusip>
		<value>761</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11035</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11035</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Magellan Midstream Partners LP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>559080106</cusip>
		<value>339</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5646</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5646</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Marathon Petroleum Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>56585A102</cusip>
		<value>356</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7680</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7680</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MasterCard Incorporated</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>19830</value>
		<shrsOrPrnAmt>
			<sshPrnamt>220043</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>220043</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MasterCard Incorporated</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>23</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>250</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>McCormick &amp; Co., Inc. - Voting</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>579780107</cusip>
		<value>410</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>McCormick &amp; Company, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>579780206</cusip>
		<value>444</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>McDonald's Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>580135101</cusip>
		<value>1836</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18638</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18638</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>McDonald's Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>580135101</cusip>
		<value>48</value>
		<shrsOrPrnAmt>
			<sshPrnamt>485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>485</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Medtronic, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>712</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10634</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10634</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Merck &amp; Co., Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>1709</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34608</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34608</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Merck &amp; Co., Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>30</value>
		<shrsOrPrnAmt>
			<sshPrnamt>600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Microsoft Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>17317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>391261</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>391261</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Microsoft Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>39</value>
		<shrsOrPrnAmt>
			<sshPrnamt>875</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>875</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NextEra Energy</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>65339F101</cusip>
		<value>717</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7350</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7350</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NextEra Energy</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>65339F101</cusip>
		<value>80</value>
		<shrsOrPrnAmt>
			<sshPrnamt>825</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>825</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Omega Healthcare Invs REIT</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>681936100</cusip>
		<value>242</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6890</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6890</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Oracle Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>68389X105</cusip>
		<value>572</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>697435105</cusip>
		<value>10970</value>
		<shrsOrPrnAmt>
			<sshPrnamt>63777</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>63777</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>697435105</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>150</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Paychex, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>704326107</cusip>
		<value>467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9810</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9810</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Paypal Holdings Inc</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>70450Y103</cusip>
		<value>13078</value>
		<shrsOrPrnAmt>
			<sshPrnamt>421333</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>421333</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Paypal Holdings Inc</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>70450Y103</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>650</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>650</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Pepco Holdings</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713291102</cusip>
		<value>1340</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55308</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>55308</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Pepsico, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>16530</value>
		<shrsOrPrnAmt>
			<sshPrnamt>175287</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>175287</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Pepsico, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>66</value>
		<shrsOrPrnAmt>
			<sshPrnamt>700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>700</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Pfizer, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>2232</value>
		<shrsOrPrnAmt>
			<sshPrnamt>71057</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>71057</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Pfizer, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>198</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>6300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Philip Morris International In</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>1631</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20565</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Philip Morris International In</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>47</value>
		<shrsOrPrnAmt>
			<sshPrnamt>595</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>595</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Phillips 66</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718546104</cusip>
		<value>350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4561</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4561</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PPL Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>69351T106</cusip>
		<value>1907</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57980</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>57980</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Procter &amp; Gamble Company</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>14342</value>
		<shrsOrPrnAmt>
			<sshPrnamt>199365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>199365</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Procter &amp; Gamble Company</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>46</value>
		<shrsOrPrnAmt>
			<sshPrnamt>640</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>640</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Public Service Enterprises</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>744573106</cusip>
		<value>260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6173</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6173</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Qualcomm, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>747525103</cusip>
		<value>10099</value>
		<shrsOrPrnAmt>
			<sshPrnamt>187959</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>187959</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Qualcomm, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>747525103</cusip>
		<value>28</value>
		<shrsOrPrnAmt>
			<sshPrnamt>515</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>515</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Royal Dutch Shell plc</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>780259206</cusip>
		<value>366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7719</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Royal Dutch Shell plc</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>780259206</cusip>
		<value>45</value>
		<shrsOrPrnAmt>
			<sshPrnamt>950</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>950</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Sandy Spring Bancorp, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>800363103</cusip>
		<value>482</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Signature Bank</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>82669G104</cusip>
		<value>17068</value>
		<shrsOrPrnAmt>
			<sshPrnamt>124079</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>124079</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Signature Bank</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>82669G104</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
			<sshPrnamt>210</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>210</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Simon Property Group</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>828806109</cusip>
		<value>246</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1337</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1337</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Simon Property Group</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>828806109</cusip>
		<value>48</value>
		<shrsOrPrnAmt>
			<sshPrnamt>260</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>260</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Southern Company, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>842587107</cusip>
		<value>1939</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43388</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43388</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Sprott Resources Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>85207D103</cusip>
		<value>5</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10836</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10836</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Starbucks Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>855244109</cusip>
		<value>205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Suburban Propane Partners, L.P</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>864482104</cusip>
		<value>528</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16050</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16050</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Summit Financial Group, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>86606J105</cusip>
		<value>306</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SWISS MEDICA INC XXXREGISTRATI</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>87089C104</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Sysco Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>871829107</cusip>
		<value>408</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10480</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10480</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>T J X Cos Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>872540109</cusip>
		<value>352</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4930</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4930</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>T.Rowe Price Group, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>74144T108</cusip>
		<value>12895</value>
		<shrsOrPrnAmt>
			<sshPrnamt>185535</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>185535</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>T.Rowe Price Group, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>74144T108</cusip>
		<value>53</value>
		<shrsOrPrnAmt>
			<sshPrnamt>760</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>760</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Target Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>87612E106</cusip>
		<value>270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3428</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3428</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TD Ameritrade Holding Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>87236Y108</cusip>
		<value>14184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>445475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>445475</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TD Ameritrade Holding Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>87236Y108</cusip>
		<value>5</value>
		<shrsOrPrnAmt>
			<sshPrnamt>170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>170</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>The PNC Financial Services Gro</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>693475105</cusip>
		<value>205</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2297</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2297</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TripAdvisor, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>896945201</cusip>
		<value>9547</value>
		<shrsOrPrnAmt>
			<sshPrnamt>151499</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>151499</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TripAdvisor, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>896945201</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>150</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Twitter, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>90184L102</cusip>
		<value>10409</value>
		<shrsOrPrnAmt>
			<sshPrnamt>386388</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>386388</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Twitter, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>90184L102</cusip>
		<value>18</value>
		<shrsOrPrnAmt>
			<sshPrnamt>660</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>660</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>U S Bancorp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>902973304</cusip>
		<value>394</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9599</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9599</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Under Armour, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>904311107</cusip>
		<value>33260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>343666</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>343666</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Under Armour, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>904311107</cusip>
		<value>7</value>
		<shrsOrPrnAmt>
			<sshPrnamt>70</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>70</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>United Technologies, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>913017109</cusip>
		<value>247</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2780</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2780</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>United Therapeutics Corp.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>91307C102</cusip>
		<value>19237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>146580</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>146580</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UnitedHealth Group Incorporate</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>91324P102</cusip>
		<value>484</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4173</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4173</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>V.F. Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>918204108</cusip>
		<value>20950</value>
		<shrsOrPrnAmt>
			<sshPrnamt>307137</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>307137</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>V.F. Corporation</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>918204108</cusip>
		<value>38</value>
		<shrsOrPrnAmt>
			<sshPrnamt>560</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>560</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Verizon Communications Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
		<value>5955</value>
		<shrsOrPrnAmt>
			<sshPrnamt>136872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>136872</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Verizon Communications Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
		<value>73</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1680</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1680</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Visa Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92826C839</cusip>
		<value>317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4556</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4556</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wal-Mart Company, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>878</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13536</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13536</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Walt Disney Company, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>254687106</cusip>
		<value>657</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6426</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6426</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Washington REIT</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>939653101</cusip>
		<value>873</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wells Fargo Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>949746101</cusip>
		<value>1136</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22131</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22131</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Welltower Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>95040Q104</cusip>
		<value>2813</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41534</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41534</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WestRock Co</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>96145D105</cusip>
		<value>441</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8581</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8581</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Yum! Brands, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>988498101</cusip>
		<value>16136</value>
		<shrsOrPrnAmt>
			<sshPrnamt>201822</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>201822</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Yum! Brands, Inc.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>988498101</cusip>
		<value>37</value>
		<shrsOrPrnAmt>
			<sshPrnamt>460</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>460</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Aegon NV Preferred 6.375% </nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>007924301</cusip>
		<value>441</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Bank of America Corp. PRFD 6.5</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>060505310</cusip>
		<value>507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19940</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19940</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Bank of America Corp. PRFD 6.5</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>060505310</cusip>
		<value>78</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3050</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3050</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BG&amp;E Cap Trust II 6.20% Prefer</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>05541Q206</cusip>
		<value>1408</value>
		<shrsOrPrnAmt>
			<sshPrnamt>54933</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>54933</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Goldman Sachs- Series B Pfd. 6</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>38141GCM4</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Goldman Sachs Group, Inc. 6.12</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>38145X111</cusip>
		<value>1422</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>56170</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Hospitality Properties Trust- </nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>44106M607</cusip>
		<value>313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12145</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMorgan Chase &amp; Co PRFD 'F' 6</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>48127R461</cusip>
		<value>535</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21310</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21310</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JPMorgan Chase &amp; Co PRFD 'F' 6</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>48127R461</cusip>
		<value>58</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>2300</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Partnerre Ltd. 6.5% Perpetual </nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>G68603409</cusip>
		<value>438</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16580</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16580</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Partnerre Ltd. 6.5% Perpetual </nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>G68603409</cusip>
		<value>26</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Qwest Corporation 7.50% Notes </nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>74913G303</cusip>
		<value>243</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9425</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9425</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wells Fargo &amp; Co. PRFD 'T' 6%</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>949746366</cusip>
		<value>163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6425</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6425</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wells Fargo &amp; Co. PRFD 'T' 6%</nameOfIssuer>
		<titleOfClass>PFD</titleOfClass>
		<cusip>949746366</cusip>
		<value>77</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3050</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3050</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AllianzGI Convertible &amp; Income</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>018828103</cusip>
		<value>323</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>55400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BlackRock Corporate High Yield</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>09255P107</cusip>
		<value>479</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48500</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Calamos Conv Opportunity Fund</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>128117108</cusip>
		<value>257</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25985</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25985</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Calamos Conv Opportunity Fund</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>128117108</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Global X MLP ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>37950E473</cusip>
		<value>5322</value>
		<shrsOrPrnAmt>
			<sshPrnamt>491867</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>491867</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Global X MLP ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>37950E473</cusip>
		<value>40</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3655</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>3655</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Global X SuperDividend ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>37950E549</cusip>
		<value>3949</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200975</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>200975</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Global X SuperDividend ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>37950E549</cusip>
		<value>181</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>9200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares iBoxx $ Invest Grade C</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287242</cusip>
		<value>846</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7290</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7290</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares iBoxx $ Invest Grade C</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287242</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>75</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>75</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares MSCI Belgium Capped ET</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464286301</cusip>
		<value>226</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13710</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13710</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares MSCI EAFE Index Fund</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287465</cusip>
		<value>2252</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39289</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39289</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares MSCI Emerging Markets </nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287234</cusip>
		<value>482</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14712</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14712</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares MSCI Emerging Markets </nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287234</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>115</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Ishares MSCI Finland Capped ET</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>46429B515</cusip>
		<value>302</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9960</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9960</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares MSCI Ireland Capped ET</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>46429B507</cusip>
		<value>284</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7285</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7285</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares MSCI Philippines ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>46429B408</cusip>
		<value>286</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8310</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8310</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares MSCI Switzerland Index</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464286749</cusip>
		<value>411</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13440</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13440</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Russell 1000 Growth</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287614</cusip>
		<value>378</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4060</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4060</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Russell 1000 Growth</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287614</cusip>
		<value>58</value>
		<shrsOrPrnAmt>
			<sshPrnamt>625</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>625</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Russell 2000 Index Fun</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287655</cusip>
		<value>3086</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28257</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28257</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Russell 2000 Index Fun</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287655</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>90</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Russell MidCap Index F</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287499</cusip>
		<value>327</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2099</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2099</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares TR Barclays Aggregate </nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287226</cusip>
		<value>1147</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10466</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10466</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares TR Barclays Aggregate </nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287226</cusip>
		<value>8</value>
		<shrsOrPrnAmt>
			<sshPrnamt>75</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>75</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Trust Iboxx $ High Yie</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464288513</cusip>
		<value>755</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9061</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9061</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Trust Iboxx $ High Yie</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464288513</cusip>
		<value>46</value>
		<shrsOrPrnAmt>
			<sshPrnamt>550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>550</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Trust Nasdaq Biotech I</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287556</cusip>
		<value>243</value>
		<shrsOrPrnAmt>
			<sshPrnamt>800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Trust S&amp;P 500 Index</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287200</cusip>
		<value>6826</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35421</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35421</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Trust S&amp;P 500 Index</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287200</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>220</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>220</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PowerShares QQQ Trust</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>73935A104</cusip>
		<value>295</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2898</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2898</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PowerShares QQQ Trust</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>73935A104</cusip>
		<value>112</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1097</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>1097</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR DJ Wilshire REIT ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>78464A607</cusip>
		<value>2045</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23732</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23732</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR Dow Jones Industrial Aver</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>78467X109</cusip>
		<value>420</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2581</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2581</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>78462F103</cusip>
		<value>362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1888</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1888</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>921943858</cusip>
		<value>4241</value>
		<shrsOrPrnAmt>
			<sshPrnamt>119004</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>119004</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>921943858</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Large Cap</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>922908637</cusip>
		<value>206</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2344</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2344</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Mid Cap ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>922908629</cusip>
		<value>4923</value>
		<shrsOrPrnAmt>
			<sshPrnamt>42196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>42196</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard MSCI Emerging Markets</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>922042858</cusip>
		<value>2652</value>
		<shrsOrPrnAmt>
			<sshPrnamt>80149</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>80149</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard MSCI Emerging Markets</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>922042858</cusip>
		<value>13</value>
		<shrsOrPrnAmt>
			<sshPrnamt>400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard MSCI Europe ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>922042874</cusip>
		<value>717</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14585</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14585</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>6561</value>
		<shrsOrPrnAmt>
			<sshPrnamt>86855</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>86855</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>OTR</investmentDiscretion>
		<votingAuthority>
			<Sole>50</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Small Cap ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>922908751</cusip>
		<value>6617</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61296</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Western Asset Managed High</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>95766L107</cusip>
		<value>187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Western Asst High Incm Opprtnt</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>95766K109</cusip>
		<value>281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
</informationTable>
