<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
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       <nameOfIssuer>ADIENT PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G0084W101</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>41</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALLEGION PUBLIC LIMITED CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G0176J109</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>40</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ALLERGAN PLC                SHS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G0177J108</cusip>
       <value>117</value>
       <shrsOrPrnAmt>
           <sshPrnamt>488</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>488</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G0408V102</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>50</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>50</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G1151C101</cusip>
       <value>101</value>
       <shrsOrPrnAmt>
           <sshPrnamt>845</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>845</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>DELPHI AUTOMOTIVE PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G27823106</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>40</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G29183103</cusip>
       <value>378</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5092</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>5092</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ICON PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G4705A100</cusip>
       <value>68</value>
       <shrsOrPrnAmt>
           <sshPrnamt>849</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>849</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G47791101</cusip>
       <value>217</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2670</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2670</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INVESCO LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G491BT108</cusip>
       <value>232</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7570</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>7570</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CNTRLS INTERNATIONAL PLC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G51502105</cusip>
       <value>72</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1708</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1708</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>286</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>286</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MICHAEL KORS HOLDINGS LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G60754101</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>65</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NABORS INDUSTRIES LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G6359F103</cusip>
       <value>143</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10960</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>10960</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PENTAIR PLC USD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G7S00T104</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>120</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>120</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEAGATE TECHNOLOGY PUB LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G7945M107</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>70</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WILLIS TOWERS WATSON PUBLIC  LIMITED CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G96629103</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>40</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PERRIGO CO PLC NPV</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>G97822103</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>28</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALLIED WORLD ASSUANCE CO    HLDGS LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H01531104</cusip>
       <value>73</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1370</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1370</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CHUBB LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H1467J104</cusip>
       <value>122</value>
       <shrsOrPrnAmt>
           <sshPrnamt>897</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>897</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GARMIN LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H2906T109</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>75</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>75</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H42097107</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>150</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>150</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>H8817H100</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>150</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>150</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CHECK POINT SOFTWARE TECH</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>M22465104</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>270</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>270</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LYONDELLBASELL INDUSTRIES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>N53745100</cusip>
       <value>13</value>
       <shrsOrPrnAmt>
           <sshPrnamt>140</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>140</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MYLAN NV EUR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>N59465109</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>85</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NXP SEMICONDUCTORS N.V.</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>N6596X109</cusip>
       <value>258</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2489</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2489</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL CARIBBEAN CRUISES LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>V7780T103</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>40</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BROADCOM LTD NPV</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>Y09827109</cusip>
       <value>764</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3488</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3488</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABB LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>000375204</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>115</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>115</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00206R102</cusip>
       <value>2377</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57233</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>53733</Sole>
           <Shared>3500</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00206R102</cusip>
       <value>101</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2441</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>2441</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>002824100</cusip>
       <value>642</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14450</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>7700</Sole>
           <Shared>6750</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>002824100</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>110</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>110</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBVIE INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00287Y109</cusip>
       <value>911</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13977</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>6977</Sole>
           <Shared>7000</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBVIE INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00287Y109</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>93</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>93</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACTIVISION BLIZZARD, INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00507V109</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>140</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>140</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ADOBE SYSTEMS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00724F101</cusip>
       <value>220</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1693</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1693</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ADVANSIX INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00773T101</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>11</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00773T101</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>16</Shared>
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       <nameOfIssuer>AETNA US HEALTHCARE</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00817Y108</cusip>
       <value>61</value>
       <shrsOrPrnAmt>
           <sshPrnamt>477</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>477</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AFFILIATED MANAGES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>008252108</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>23</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AGILENT TECHNOLOGIES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00846U101</cusip>
       <value>198</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3750</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3750</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS    INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>009158106</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>48</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>48</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AKAMAI TECHNOLOGIES INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>00971T101</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>60</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>60</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ALASKA AIRE GROUP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>011659109</cusip>
       <value>53</value>
       <shrsOrPrnAmt>
           <sshPrnamt>570</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>570</Sole>
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           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>ALCOA CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>013872106</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>33</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ALEXION PHARMACEUTICAL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>015351109</cusip>
       <value>55</value>
       <shrsOrPrnAmt>
           <sshPrnamt>457</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>457</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>ALLIANCE DATA SYSTEMS CORP  COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>018581108</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>60</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>60</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>ALLIANT</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>018802108</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>185</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>ALLISON TRANMISSION HLDGS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>01973R101</cusip>
       <value>20</value>
       <shrsOrPrnAmt>
           <sshPrnamt>550</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>550</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ALLSCRIPTS HEALTHCARE</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>01988P108</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2080</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2080</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ALLY FINL INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>02005N100</cusip>
       <value>79</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3880</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3880</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>ALPHABET INC                CLASS C</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>02079K107</cusip>
       <value>314</value>
       <shrsOrPrnAmt>
           <sshPrnamt>379</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>379</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>ALPHABET INC                CLASS C</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>02079K107</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>6</Sole>
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           <None>0</None>
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       <nameOfIssuer>ALPHABET INC                CLASS A</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>02079K305</cusip>
       <value>1012</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1194</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1194</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ALPHABET INC                CLASS A</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>02079K305</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>10</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ALTRIA GROUP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>02209S103</cusip>
       <value>2130</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29825</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>25325</Sole>
           <Shared>4500</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ALTRIA GROUP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>02209S103</cusip>
       <value>74</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1042</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1042</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>023135106</cusip>
       <value>572</value>
       <shrsOrPrnAmt>
           <sshPrnamt>645</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>645</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMEREN</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>023608102</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>115</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>115</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMERICAN AIRLINES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>02376R102</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>130</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>130</Sole>
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           <None>0</None>
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       <nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>025537101</cusip>
       <value>310</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4619</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>4619</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AMERICAN ELECTRIC POWER</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>025537101</cusip>
       <value>83</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1240</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>240</Sole>
           <Shared>1000</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMERICAN EXPRESS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>025816109</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>290</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>290</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>026874784</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>485</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>485</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>03027X100</cusip>
       <value>165</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1355</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1355</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMERICAN TOWER CORP         CNV PFD</nameOfIssuer>
       <titleOfClass>PREFERRED STOCK</titleOfClass>
       <cusip>03027X308</cusip>
       <value>95</value>
       <shrsOrPrnAmt>
           <sshPrnamt>831</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>831</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMER TWR DEP SHS REP        PFD</nameOfIssuer>
       <titleOfClass>PREFERRED STOCK</titleOfClass>
       <cusip>03027X407</cusip>
       <value>54</value>
       <shrsOrPrnAmt>
           <sshPrnamt>482</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>482</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AMERICAN WATER WORKS CO     INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>030420103</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>35</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMERISOURCEBERGEN</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>03073E105</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>42</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AMERIPRISE FINANCIAL INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>03076C106</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>179</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>179</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AMGEN</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>031162100</cusip>
       <value>64</value>
       <shrsOrPrnAmt>
           <sshPrnamt>390</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>390</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMPHENOL CORP NEW</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>032095101</cusip>
       <value>17</value>
       <shrsOrPrnAmt>
           <sshPrnamt>245</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>245</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ANADARKO PETROLEUM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>032511107</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>120</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>120</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ANADARKO PETE CORP          CNV PFD</nameOfIssuer>
       <titleOfClass>PREFERRED STOCK</titleOfClass>
       <cusip>032511404</cusip>
       <value>126</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2890</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2890</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ANALOG DEVICES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>032654105</cusip>
       <value>66</value>
       <shrsOrPrnAmt>
           <sshPrnamt>800</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>800</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ANHEUSER BUSCH INBEV SA ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>03524A108</cusip>
       <value>55</value>
       <shrsOrPrnAmt>
           <sshPrnamt>504</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>504</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ANTHEM INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>036752103</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>56</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>56</Sole>
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           <None>0</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>APACHE</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>037411105</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>110</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
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       <cusip>03748R101</cusip>
       <value>5</value>
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       <votingAuthority>
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       <nameOfIssuer>APPLE COMPUTER</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>037833100</cusip>
       <value>1540</value>
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       <votingAuthority>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>037833100</cusip>
       <value>11</value>
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       <nameOfIssuer>APPLIED MATERIALS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
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       <votingAuthority>
           <Sole>310</Sole>
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   <infoTable>
       <nameOfIssuer>ARCHER-DANIELS-MIDLAND CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>039483102</cusip>
       <value>6</value>
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       <votingAuthority>
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       <nameOfIssuer>ARCONIC INC USD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>03965L100</cusip>
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       <nameOfIssuer>ARES CAP CORP</nameOfIssuer>
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       <nameOfIssuer>ARROW ELECTRS INC           COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
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       <votingAuthority>
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       <nameOfIssuer>ASTRAZENECA PLC SPONS ADR</nameOfIssuer>
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       <cusip>046353108</cusip>
       <value>324</value>
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       <votingAuthority>
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       <nameOfIssuer>AUTODESK INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>052769106</cusip>
       <value>3</value>
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           <sshPrnamt>30</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
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       <nameOfIssuer>AUTOMATIC DATA PROCESSING</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>053015103</cusip>
       <value>106</value>
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       <votingAuthority>
           <Sole>1038</Sole>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>053332102</cusip>
       <value>301</value>
       <shrsOrPrnAmt>
           <sshPrnamt>416</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>416</Sole>
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       <cusip>053332102</cusip>
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       <nameOfIssuer>AVALONBAY CMNTY INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>053484101</cusip>
       <value>5</value>
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           <Sole>26</Sole>
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       <nameOfIssuer>AVERY DENNISON</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>053611109</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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       <nameOfIssuer>BB&amp;T</nameOfIssuer>
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       <cusip>054937107</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>161</Sole>
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           <None>0</None>
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       <nameOfIssuer>BCE INC NEW</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>05534B760</cusip>
       <value>836</value>
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           <sshPrnamt>18886</sshPrnamt>
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       <votingAuthority>
           <Sole>17186</Sole>
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   <infoTable>
       <nameOfIssuer>BCE INC NEW</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>05534B760</cusip>
       <value>37</value>
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       <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>055622104</cusip>
       <value>174</value>
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       <votingAuthority>
           <Sole>5036</Sole>
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   <infoTable>
       <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>055622104</cusip>
       <value>18</value>
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       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>05605H100</cusip>
       <value>27</value>
       <shrsOrPrnAmt>
           <sshPrnamt>570</sshPrnamt>
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       <votingAuthority>
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       <nameOfIssuer>BAIDU INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>056752108</cusip>
       <value>59</value>
       <shrsOrPrnAmt>
           <sshPrnamt>341</sshPrnamt>
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       <nameOfIssuer>BAKER HUGHES INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>057224107</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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       <nameOfIssuer>BANCORPSOUTH INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>059692103</cusip>
       <value>32</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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       <nameOfIssuer>BANK  OF AMERICA</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>060505104</cusip>
       <value>358</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15160</sshPrnamt>
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       <votingAuthority>
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       <nameOfIssuer>BARCLAYS PLC                ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>06738E204</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
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       <nameOfIssuer>CR BARD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>067383109</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15</sshPrnamt>
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       <nameOfIssuer>BAXTER INTERNATIONAL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>071813109</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>140</Sole>
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       <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>075887109</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>35</Sole>
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       <nameOfIssuer>BELDEN INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>077454106</cusip>
       <value>41</value>
       <shrsOrPrnAmt>
           <sshPrnamt>590</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>590</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>084670702</cusip>
       <value>334</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2004</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>084670702</cusip>
       <value>10</value>
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           <Sole>60</Sole>
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   <infoTable>
       <nameOfIssuer>BEST BUY COMPANIES INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>086516101</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
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       <votingAuthority>
           <Sole>100</Sole>
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   <infoTable>
       <nameOfIssuer>BHP BILLITON LIMITED ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>088606108</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>25</Sole>
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   <infoTable>
       <nameOfIssuer>BIG LOTS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>089302103</cusip>
       <value>39</value>
       <shrsOrPrnAmt>
           <sshPrnamt>810</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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           <Sole>810</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>BIOMARIN PHARMACEUTICAL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>09061G101</cusip>
       <value>29</value>
       <shrsOrPrnAmt>
           <sshPrnamt>333</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>333</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>BIOGEN IDEC INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>09062X103</cusip>
       <value>51</value>
       <shrsOrPrnAmt>
           <sshPrnamt>188</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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           <Sole>188</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>BIOVERATIV INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>09075E100</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>93</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>93</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>09247X101</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>9</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>H &amp; R BLOCK</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>093671105</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>280</Sole>
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           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>CABOT CORP</nameOfIssuer>
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       <nameOfIssuer>CHINA BIOLOGIC PRODS</nameOfIssuer>
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       <cusip>16938C106</cusip>
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       <nameOfIssuer>CHIPOTLE MEXICAN GRILL CL A</nameOfIssuer>
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       <cusip>169656105</cusip>
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       <nameOfIssuer>CINCINNATI FINANCIAL CORP</nameOfIssuer>
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       <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
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       <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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       <titleOfClass>COMMON STOCK</titleOfClass>
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       <nameOfIssuer>COCA-COLA</nameOfIssuer>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>191216100</cusip>
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       <nameOfIssuer>COGNIZANT TECHNOLOGY        CL A</nameOfIssuer>
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       <nameOfIssuer>COMCAST                     CL A</nameOfIssuer>
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       <nameOfIssuer>CONSTELLATION BRANDS CL A</nameOfIssuer>
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       <nameOfIssuer>CORELOGIC INC</nameOfIssuer>
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       <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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       <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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       <nameOfIssuer>CREDIT SUISSE GROUP ADR</nameOfIssuer>
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       <nameOfIssuer>DANAHER CORP</nameOfIssuer>
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       <nameOfIssuer>DARDEN RESTAURANTS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>237194105</cusip>
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       <nameOfIssuer>DEAN FOODS CO</nameOfIssuer>
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       <titleOfClass>COMMON STOCK</titleOfClass>
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       <nameOfIssuer>DELTA AIRLINES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>247361702</cusip>
       <value>8</value>
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       <nameOfIssuer>DELUXE CORP</nameOfIssuer>
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       <cusip>248019101</cusip>
       <value>19</value>
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       <nameOfIssuer>DENTSPLY SIRONA INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>24906P109</cusip>
       <value>2</value>
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       <nameOfIssuer>DEVON ENERGY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>25179M103</cusip>
       <value>5</value>
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       <nameOfIssuer>DIAGEO P L C                SPON ADR NEW</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>25243Q205</cusip>
       <value>90</value>
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           <Sole>780</Sole>
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       <nameOfIssuer>DIAGEO P L C                SPON ADR NEW</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>25243Q205</cusip>
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   <infoTable>
       <nameOfIssuer>DISNEY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>254687106</cusip>
       <value>659</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5808</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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           <Sole>5808</Sole>
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       <nameOfIssuer>DISNEY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>254687106</cusip>
       <value>5</value>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>256677105</cusip>
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       <nameOfIssuer>ECOLAB INC                  COM</nameOfIssuer>
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       <nameOfIssuer>EDISON INTERNATIONAL</nameOfIssuer>
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       <nameOfIssuer>ENTERPRISE PRODS PARTNERS   LP</nameOfIssuer>
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       <nameOfIssuer>EQUITY RESIDENTIAL   REIT</nameOfIssuer>
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       <nameOfIssuer>EXELON</nameOfIssuer>
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       <cusip>30161N101</cusip>
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       <cusip>302130109</cusip>
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       <cusip>302130109</cusip>
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       <nameOfIssuer>EXPRESS SCRIPTS HLDGS CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>30219G108</cusip>
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       <nameOfIssuer>EXXON MOBIL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>30231G102</cusip>
       <value>4597</value>
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   <infoTable>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>30231G102</cusip>
       <value>77</value>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <nameOfIssuer>FMC CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>302491303</cusip>
       <value>6</value>
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   <infoTable>
       <nameOfIssuer>FACEBOOK, INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>30303M102</cusip>
       <value>491</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3457</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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       <nameOfIssuer>FASTENAL COMPANY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>311900104</cusip>
       <value>92</value>
       <shrsOrPrnAmt>
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       <nameOfIssuer>FEDEX</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>31428X106</cusip>
       <value>132</value>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>675</Sole>
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           <None>0</None>
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       <titleOfClass>COMMON STOCK</titleOfClass>
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       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>16</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>F5 NETWORKS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>315616102</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>96</sshPrnamt>
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       <votingAuthority>
           <Sole>96</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>FIRST HORIZON NATL CORP     COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>320517105</cusip>
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           <sshPrnamt>750</sshPrnamt>
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       <votingAuthority>
           <Sole>750</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>FIRSTENERGY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
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       <value>38</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>1180</Sole>
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       <nameOfIssuer>FOMENTO ECONOMICO MEXICANO  SPON ADR UNITS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>344419106</cusip>
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           <sshPrnamt>160</sshPrnamt>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>FOOT LOCKER INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>344849104</cusip>
       <value>3</value>
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           <sshPrnamt>45</sshPrnamt>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>FORD MOTOR</nameOfIssuer>
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       <value>2</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>185</Sole>
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           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
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           <sshPrnamt>823</sshPrnamt>
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       <votingAuthority>
           <Sole>823</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
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       <value>1</value>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>35671D857</cusip>
       <value>3</value>
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           <sshPrnamt>240</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>240</Sole>
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       <nameOfIssuer>FRONTIER COMMUNICATIONS CORP</nameOfIssuer>
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       <votingAuthority>
           <Sole>865</Sole>
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           <None>0</None>
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       <nameOfIssuer>GAXT CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>361448103</cusip>
       <value>27</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>GGP INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
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       <value>4</value>
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       <votingAuthority>
           <Sole>190</Sole>
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           <None>0</None>
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       <nameOfIssuer>GALLAGHER ARTHUR J  &amp; CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>363576109</cusip>
       <value>188</value>
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       <votingAuthority>
           <Sole>3330</Sole>
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           <None>0</None>
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       <nameOfIssuer>GAP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>364760108</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>GENERAL DYNAMICS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>369550108</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>55</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>369604103</cusip>
       <value>373</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12530</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>12530</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>GENERAL MILLS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>370334104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>28</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>37045V100</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>290</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>290</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>372460105</cusip>
       <value>60</value>
       <shrsOrPrnAmt>
           <sshPrnamt>650</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>650</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>375558103</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>310</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>310</Sole>
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           <None>0</None>
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       <nameOfIssuer>GLAXO SMITHKLINE PLC ADR</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>37733W105</cusip>
       <value>905</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21479</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>18079</Sole>
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   <infoTable>
       <nameOfIssuer>GLAXO SMITHKLINE PLC ADR</nameOfIssuer>
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       <cusip>37733W105</cusip>
       <value>106</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>GLOBAL PAYMENTS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>37940X102</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33</sshPrnamt>
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       <votingAuthority>
           <Sole>33</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>GOLDMAN SACHS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>38141G104</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>44</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>GOODYEAR TIRE &amp; RUBBER</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>382550101</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>90</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>GREAT PLAINS ENERGY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>391164100</cusip>
       <value>39</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1320</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1320</Sole>
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           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>ADR GRUPO FINANCIERO</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>40053C105</cusip>
       <value>16</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1750</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>1750</Sole>
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           <None>0</None>
       </votingAuthority>
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       <nameOfIssuer>HCA HLDGS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>40412C101</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>80</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>HCP, INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>40414L109</cusip>
       <value>3</value>
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           <None>0</None>
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       <nameOfIssuer>HDFC BANK LTD ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>40415F101</cusip>
       <value>22</value>
       <shrsOrPrnAmt>
           <sshPrnamt>290</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>290</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>HD SUPPLY HLDGS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>40416M105</cusip>
       <value>40</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>970</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>HSBC HLDGS PLC              SPON ADR NEW</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>404280406</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>70</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>H P INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>40434L105</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>335</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>335</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>406216101</cusip>
       <value>150</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3055</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3055</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HANOVER INS GROUP INC       COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>410867105</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>330</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>330</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HARLEY DAVIDSON</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>412822108</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>55</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HARTFORD FINL SVCS GROUP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>416515104</cusip>
       <value>165</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3440</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3440</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HELMERICH &amp; PAYNE INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>423452101</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>80</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>80</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HEWLETT PACKARD ENTERPRISE  CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>42824C109</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>350</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>350</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HOLOGIC INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>436440101</cusip>
       <value>48</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1135</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1135</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HOME DEPOT</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>437076102</cusip>
       <value>510</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3472</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3472</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HOME DEPOT</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>437076102</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>38</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>38</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HONDA MOTOR LTD             AMERN SHS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>438128308</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>60</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>60</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HONEYWELL INTERNATIONAL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>438516106</cusip>
       <value>561</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4496</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>4496</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HONEYWELL INTERNATIONAL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>438516106</cusip>
       <value>141</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1128</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>28</Sole>
           <Shared>1100</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HOSPITALITY PROPERTIES      REIT</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>44106M102</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>900</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>900</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HOST HOTELS &amp; RESORTS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>44107P104</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>185</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HUMANA INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>444859102</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>32</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HUNTINGTON BANCSHARES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>446150104</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>485</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>485</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HUNGTINGTON INGALLS INDS    INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>446413106</cusip>
       <value>64</value>
       <shrsOrPrnAmt>
           <sshPrnamt>319</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>319</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>452308109</cusip>
       <value>242</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1827</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1827</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ILLUMINA INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>452327109</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>32</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INCYTE CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>45337C102</cusip>
       <value>46</value>
       <shrsOrPrnAmt>
           <sshPrnamt>342</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>342</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ING GROEP N V               SPONSORED ADR</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>456837103</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>160</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>160</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INTEL</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>458140100</cusip>
       <value>345</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9569</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>9569</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INTERCONTINENTAL EXCHANGE   INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>45866F104</cusip>
       <value>196</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3280</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>IBM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>459200101</cusip>
       <value>90</value>
       <shrsOrPrnAmt>
           <sshPrnamt>514</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>514</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INTERNATIONAL PAPER</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>460146103</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>100</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>46120E602</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INTUIT INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>461202103</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>185</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES SELECT DIVIDEND     ETF</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>464287168</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>11</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TIPS BOND ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464287176</cusip>
       <value>2157</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18817</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>18757</Sole>
           <Shared>0</Shared>
           <None>60</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TIPS BOND ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464287176</cusip>
       <value>199</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1735</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1735</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>I SHARES CORE US AGG BOND M</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464287226</cusip>
       <value>2345</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21611</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>21481</Sole>
           <Shared>0</Shared>
           <None>130</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>I SHARES CORE US AGG BOND M</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464287226</cusip>
       <value>274</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2528</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>2528</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EMERGING MKTS  ETF</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287234</cusip>
       <value>29</value>
       <shrsOrPrnAmt>
           <sshPrnamt>743</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>743</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EMERGING MKTS  ETF</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287234</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>835</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>835</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES IBOXX USD INV GRADE CORP BD ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464287242</cusip>
       <value>55</value>
       <shrsOrPrnAmt>
           <sshPrnamt>465</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>465</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TR GLOBAL HEALTHCARE ETF</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>464287325</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287465</cusip>
       <value>153</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2449</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>674</Sole>
           <Shared>1775</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287465</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>450</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>450</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287473</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>113</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>113</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P MIDCAP 400</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>464287507</cusip>
       <value>1487</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8686</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8686</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 GRWTH  INDEX FUND</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287614</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>102</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>102</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 2000 INDEX  FUND</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287655</cusip>
       <value>88</value>
       <shrsOrPrnAmt>
           <sshPrnamt>637</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>637</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  S&amp;P  SMALLCAP  600 INDEX FUND</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287804</cusip>
       <value>6251</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90393</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>87193</Sole>
           <Shared>3000</Shared>
           <None>200</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  S&amp;P  SMALLCAP  600 INDEX FUND</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464287804</cusip>
       <value>369</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5340</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>5340</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TR MSCI EAFE SMALL- CAP ETF</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>464288273</cusip>
       <value>53</value>
       <shrsOrPrnAmt>
           <sshPrnamt>988</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>988</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TR DOW JONES EPAC   SELECT DIV INDX FD</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464288448</cusip>
       <value>2727</value>
       <shrsOrPrnAmt>
           <sshPrnamt>86720</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>86720</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TR DOW JONES EPAC   SELECT DIV INDX FD</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>464288448</cusip>
       <value>38</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>I SHARES IBOXX USD H/Y CORP BOND ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464288513</cusip>
       <value>149</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1702</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1702</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>I SHARES IBOXX USD H/Y CORP BOND ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464288513</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>80</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>80</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>I SHARES MBS ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464288588</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>85</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>I SHARES MBS ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464288588</cusip>
       <value>27</value>
       <shrsOrPrnAmt>
           <sshPrnamt>256</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>256</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  INTERMEDIATE CREDIT  BOND ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464288638</cusip>
       <value>3894</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35739</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>35549</Sole>
           <Shared>0</Shared>
           <None>190</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  INTERMEDIATE CREDIT  BOND ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464288638</cusip>
       <value>262</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2403</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>2403</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>I SHARES 1-3 YR CREDIT BOND ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464288646</cusip>
       <value>7525</value>
       <shrsOrPrnAmt>
           <sshPrnamt>71507</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>70917</Sole>
           <Shared>0</Shared>
           <None>590</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>I SHARES 1-3 YR CREDIT BOND ETF</nameOfIssuer>
       <titleOfClass>FIXED INCOME ETF TAXABLE</titleOfClass>
       <cusip>464288646</cusip>
       <value>670</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6369</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>6369</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P US PFD STK</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>464288687</cusip>
       <value>257</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6650</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>6650</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES 0-5 YEARS TIPS BOND</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>46429B747</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>250</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>250</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES IN MSCI JAPAN ETF   NEW</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>46434G822</cusip>
       <value>97</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1877</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1877</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JP MORGAN CHASE</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>46625H100</cusip>
       <value>735</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8370</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1870</Sole>
           <Shared>6500</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JETBLUE AIRWAYS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>477143101</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1380</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1380</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>478160104</cusip>
       <value>383</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3075</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>575</Sole>
           <Shared>2500</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>478160104</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>47</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>47</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KLA TENCOR CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>482480100</cusip>
       <value>91</value>
       <shrsOrPrnAmt>
           <sshPrnamt>960</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>960</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KANSAS CITY SOLUTION</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>485170302</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>65</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KELLOGG</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>487836108</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>55</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KILROY REALTY CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>49427F108</cusip>
       <value>54</value>
       <shrsOrPrnAmt>
           <sshPrnamt>750</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>750</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KIMBERLY CLARK</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>494368103</cusip>
       <value>1011</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7680</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>5680</Sole>
           <Shared>2000</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KIMBERLY CLARK</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>494368103</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>253</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>253</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KIMCO REALTY      REIT</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>49446R109</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>270</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>270</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>49456B101</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>450</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>450</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KOHLS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>500255104</cusip>
       <value>17</value>
       <shrsOrPrnAmt>
           <sshPrnamt>415</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>415</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>500754106</cusip>
       <value>168</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1850</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>50</Sole>
           <Shared>1800</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KROGER</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>501044101</cusip>
       <value>140</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4763</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>4763</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KROGER</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>501044101</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>74</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>74</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>L BRANDS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>501797104</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>60</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>60</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>L3 TECHNOLOGIES INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>502413107</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>75</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>75</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LABORATORY CORP AMER        HLDGS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>50540R409</cusip>
       <value>225</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1569</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1569</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LABORATORY CORP AMER        HLDGS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>50540R409</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>34</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>34</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LAMAR ADVE</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>512816109</cusip>
       <value>54</value>
       <shrsOrPrnAmt>
           <sshPrnamt>720</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>720</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LAMB WESTON HLDGS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>513272104</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>43</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>518439104</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>40</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LEGGETT &amp; PLATT</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>524660107</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>130</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>130</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LENNOX INTL INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>526107107</cusip>
       <value>54</value>
       <shrsOrPrnAmt>
           <sshPrnamt>324</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>324</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LEVEL 3 COMMUNICATIONS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>52729N308</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>85</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LILLY ELI</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
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       <nameOfIssuer>ROBERT HALF INT&apos;L INC</nameOfIssuer>
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       <cusip>774341101</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>90</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL BK SCOTLAND GRP PLC   NPV ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>780097689</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5460</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>5460</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>780259107</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>15</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL PLC SPONS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>780259206</cusip>
       <value>45</value>
       <shrsOrPrnAmt>
           <sshPrnamt>850</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>850</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GUGGENHEIM S&amp;P 500 EQUAL    WEIGHT ETF</nameOfIssuer>
       <titleOfClass>MUTUAL FUNDS-TAXABLE</titleOfClass>
       <cusip>78355W106</cusip>
       <value>115</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1265</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1265</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>S&amp;P GLOBAL INC NPV</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78409V104</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>62</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>62</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEI INVESTMENTS CO          COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>784117103</cusip>
       <value>53</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1060</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1060</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STANDARD &amp; POORS LARGE CAP  500</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>78462F103</cusip>
       <value>167</value>
       <shrsOrPrnAmt>
           <sshPrnamt>710</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>710</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>78467Y107</cusip>
       <value>3364</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10768</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>10663</Sole>
           <Shared>0</Shared>
           <None>105</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>78467Y107</cusip>
       <value>251</value>
       <shrsOrPrnAmt>
           <sshPrnamt>804</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>804</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>79466L302</cusip>
       <value>250</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3027</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>3027</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SANOFI-AVENTIS</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>80105N105</cusip>
       <value>379</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8373</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>8373</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SANOFI-AVENTIS</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>80105N105</cusip>
       <value>250</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5521</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>521</Sole>
           <Shared>5000</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SAP AG</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>803054204</cusip>
       <value>112</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1140</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1140</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCANA</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>80589M102</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>175</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>175</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HENRY SCHEIN, INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>806407102</cusip>
       <value>127</value>
       <shrsOrPrnAmt>
           <sshPrnamt>747</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>747</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HENRY SCHEIN, INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>806407102</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>20</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>806857108</cusip>
       <value>232</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2969</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2969</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>808513105</cusip>
       <value>222</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5450</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>5450</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MATERIALS SELECT SECTOR     SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y100</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>30</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HEALTH CARE SELECT SECTOR   SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>487</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6554</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>6429</Sole>
           <Shared>0</Shared>
           <None>125</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HEALTH CARE SELECT SECTOR   SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>98</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1324</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1324</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CONSUMER STAPLES SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y308</cusip>
       <value>35</value>
       <shrsOrPrnAmt>
           <sshPrnamt>642</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>642</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CONSUMER DISCRETIONARY SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y407</cusip>
       <value>684</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7778</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>7643</Sole>
           <Shared>0</Shared>
           <None>135</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CONSUMER DISCRETIONARY SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y407</cusip>
       <value>119</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1357</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1357</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>3903</value>
       <shrsOrPrnAmt>
           <sshPrnamt>164567</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>164122</Sole>
           <Shared>0</Shared>
           <None>445</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>201</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8469</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>8469</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INDUSTRIAL SELECT SECTOR    SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>409</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6284</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>6174</Sole>
           <Shared>0</Shared>
           <None>110</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INDUSTRIAL SELECT SECTOR    SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>86</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1323</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1323</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNOLOGY SELECT SECTOR    SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>1498</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28096</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>27671</Sole>
           <Shared>0</Shared>
           <None>425</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNOLOGY SELECT SECTOR    SPDR</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>222</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4165</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>4165</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>816851109</cusip>
       <value>83</value>
       <shrsOrPrnAmt>
           <sshPrnamt>747</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>747</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHERWIN-WILLIAMS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>824348106</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>48</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>48</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PROPERTY GROUP          REIT</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>828806109</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>69</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SKYWORKS SOLUTIONS INC      COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>83088M102</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>35</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SMUCKER J M</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>832696405</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>35</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SNAP-ON INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>833034101</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>20</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SONY CORP AMERN SHS NEW</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>835699307</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>360</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>360</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>842587107</cusip>
       <value>977</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19639</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>17639</Sole>
           <Shared>2000</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>842587107</cusip>
       <value>41</value>
       <shrsOrPrnAmt>
           <sshPrnamt>830</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>830</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLINES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>844741108</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>145</Sole>
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   <infoTable>
       <nameOfIssuer>SOUTHWESTERN ENERGY CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>845467109</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SOUTHWESTERN ENERG 6.25     CNV CUM PFD</nameOfIssuer>
       <titleOfClass>PREFERRED STOCK</titleOfClass>
       <cusip>845467208</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1560</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>1560</Sole>
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   <infoTable>
       <nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>848574109</cusip>
       <value>38</value>
       <shrsOrPrnAmt>
           <sshPrnamt>660</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>660</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>STANLEY BLACK &amp; DECKER</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>854502101</cusip>
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       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>1010</Sole>
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           <None>0</None>
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       <nameOfIssuer>STARBUCKS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>855244109</cusip>
       <value>312</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>5348</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>STARBUCKS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>855244109</cusip>
       <value>3</value>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>STARWOOD P COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>85571B105</cusip>
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       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>8040</Sole>
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       <nameOfIssuer>STATOILHYDRO ASA SPNSRD ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>85771P102</cusip>
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       <nameOfIssuer>STRYKER CORP</nameOfIssuer>
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       <cusip>863667101</cusip>
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       <shrsOrPrnAmt>
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       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>SUBURBAN PROPANE LP</nameOfIssuer>
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       <cusip>864482104</cusip>
       <value>27</value>
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       <nameOfIssuer>SYNOVUS FINL CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>87161C501</cusip>
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       <votingAuthority>
           <Sole>1270</Sole>
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       <nameOfIssuer>SYNCHRONY FINL</nameOfIssuer>
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       <cusip>87165B103</cusip>
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       <shrsOrPrnAmt>
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       <votingAuthority>
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       <nameOfIssuer>SYSCO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>871829107</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>155</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>TJX</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>872540109</cusip>
       <value>214</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2710</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>2710</Sole>
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           <None>0</None>
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       <nameOfIssuer>TJX</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>872540109</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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   <infoTable>
       <nameOfIssuer>TAIWAN SEMICONDUCTOR ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>874039100</cusip>
       <value>238</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>7240</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>TANGER FAC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>875465106</cusip>
       <value>37</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>1120</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>TARGET</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>87612E106</cusip>
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       <shrsOrPrnAmt>
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       <votingAuthority>
           <Sole>323</Sole>
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   <infoTable>
       <nameOfIssuer>TELEFONICA BRASIL SA NPV ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>87936R106</cusip>
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   <infoTable>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>879369106</cusip>
       <value>58</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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   <infoTable>
       <nameOfIssuer>TERADATA CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>88076W103</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>881569107</cusip>
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       <shrsOrPrnAmt>
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   <infoTable>
       <nameOfIssuer>TESORO CORP                 COM</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>881609101</cusip>
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       <nameOfIssuer>TEVA PHARMACEUTICAL</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>881624209</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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   <infoTable>
       <nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>882508104</cusip>
       <value>155</value>
       <shrsOrPrnAmt>
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   <infoTable>
       <nameOfIssuer>TEXTRON INCORPORATED</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>883203101</cusip>
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       <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
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       <cusip>883556102</cusip>
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       <shrsOrPrnAmt>
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   <infoTable>
       <nameOfIssuer>3M</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>640</value>
       <shrsOrPrnAmt>
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   <infoTable>
       <nameOfIssuer>3M</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>88579Y101</cusip>
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   <infoTable>
       <nameOfIssuer>TIME WARNER INC NEW</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>887317303</cusip>
       <value>472</value>
       <shrsOrPrnAmt>
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   <infoTable>
       <nameOfIssuer>TOTAL S A                   SPONSORED ADR</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>89151E109</cusip>
       <value>41</value>
       <shrsOrPrnAmt>
           <sshPrnamt>815</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>815</Sole>
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       <nameOfIssuer>TOYOTA MTR CP ADS</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>892331307</cusip>
       <value>44</value>
       <shrsOrPrnAmt>
           <sshPrnamt>401</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>401</Sole>
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   <infoTable>
       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>89417E109</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>TRIPADVISOR INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>896945201</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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           <Sole>30</Sole>
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   <infoTable>
       <nameOfIssuer>TWENTY-FIRST CENTURY FOX    INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>90130A101</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>265</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>265</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TYSON FOODS   CL A</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>902494103</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>100</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UDR INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>902653104</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>120</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>120</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>US BANCORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>902973304</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
       <votingAuthority>
           <Sole>185</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ULTRA SALON COSMETICS &amp;     FRAGRANCE INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>90384S303</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>SOLE</investmentDiscretion>
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       <nameOfIssuer>UNILEVER PLC AMER SHS ADR   NEW</nameOfIssuer>
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       <nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
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       <nameOfIssuer>UNITED RENTALS INC          COM</nameOfIssuer>
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       <nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
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       <nameOfIssuer>UNITED TECHNOLOGIES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>913017109</cusip>
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       <nameOfIssuer>UNITED THERAPEUTICS CORP    DEL</nameOfIssuer>
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       <votingAuthority>
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       <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
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       <nameOfIssuer>UNIVERSAL HLTH SVCS INC     CL B</nameOfIssuer>
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       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
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       <nameOfIssuer>VALERO ENERGY</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>91913Y100</cusip>
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       <nameOfIssuer>VANGUARD BD INDX ETF</nameOfIssuer>
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       <cusip>921937819</cusip>
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   <infoTable>
       <nameOfIssuer>VANGUARD SHORT TERM CORP    BOND FUND</nameOfIssuer>
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       <cusip>92206C409</cusip>
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       <votingAuthority>
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       <nameOfIssuer>VAREX IMAGING CORP</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92214X106</cusip>
       <value>4</value>
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       <votingAuthority>
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   <infoTable>
       <nameOfIssuer>VARIAN MED SYS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92220P105</cusip>
       <value>24</value>
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       <votingAuthority>
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   <infoTable>
       <nameOfIssuer>VENTAS INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92276F100</cusip>
       <value>416</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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   <infoTable>
       <nameOfIssuer>VENTAS INC.</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92276F100</cusip>
       <value>86</value>
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       <nameOfIssuer>VANGUARD REIT ETF</nameOfIssuer>
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       <cusip>922908553</cusip>
       <value>4206</value>
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       <votingAuthority>
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       <nameOfIssuer>VANGUARD REIT ETF</nameOfIssuer>
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       <cusip>922908553</cusip>
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       <nameOfIssuer>VANGUARD INDEX FDS          GROWTH ETF</nameOfIssuer>
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       <cusip>922908736</cusip>
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       <cusip>922908744</cusip>
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       <cusip>922908769</cusip>
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       <cusip>92343E102</cusip>
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       <votingAuthority>
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       <nameOfIssuer>VERISK ANA USD</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92345Y106</cusip>
       <value>169</value>
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       <value>4</value>
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       <cusip>923725105</cusip>
       <value>3</value>
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       <nameOfIssuer>VERTEX PHARMACEUTICALS      INC</nameOfIssuer>
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       <cusip>92532F100</cusip>
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       <cusip>92532W103</cusip>
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       <cusip>92826C839</cusip>
       <value>303</value>
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       <nameOfIssuer>VODAFONE GROUP PLC NE</nameOfIssuer>
       <titleOfClass>FOREIGN EQUITIES</titleOfClass>
       <cusip>92857W308</cusip>
       <value>647</value>
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       <cusip>92857W308</cusip>
       <value>87</value>
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       <votingAuthority>
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       <nameOfIssuer>VOYA FINL INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>929089100</cusip>
       <value>161</value>
       <shrsOrPrnAmt>
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           <Sole>4240</Sole>
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   <infoTable>
       <nameOfIssuer>VULCAN MATERIALS CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>929160109</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
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   <infoTable>
       <nameOfIssuer>W E C MATERIALS CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>92939U106</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
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       <nameOfIssuer>WAL-MART STORES</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>931142103</cusip>
       <value>97</value>
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       <nameOfIssuer>WASTE MGMT INC DEL          COM</nameOfIssuer>
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       <nameOfIssuer>WATERS CORP</nameOfIssuer>
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       <nameOfIssuer>WELLS FARGO</nameOfIssuer>
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   <infoTable>
       <nameOfIssuer>WESTERN UNION CO</nameOfIssuer>
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       <nameOfIssuer>WESTROCK CO</nameOfIssuer>
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       <nameOfIssuer>WEYERHAEUSER</nameOfIssuer>
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       <nameOfIssuer>WHIRLPOOL CORPORATION</nameOfIssuer>
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       <nameOfIssuer>WISDOMTREE JAPAN HEDGED</nameOfIssuer>
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       <nameOfIssuer>WISDOMTREE EUROPE HEDGED</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>97717X701</cusip>
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       <nameOfIssuer>WISDOMTREE EUROPE HEDGED</nameOfIssuer>
       <titleOfClass>EQUITY ETF</titleOfClass>
       <cusip>97717X701</cusip>
       <value>38</value>
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   <infoTable>
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       <cusip>981811102</cusip>
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           <Sole>90</Sole>
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           <None>0</None>
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</informationTable>
