<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>3M Company</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>371</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1940</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1940</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Abbott Laboratories</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>002824100</cusip>
			<value>40</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>Abbvie Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
				<sshPrnamt>963</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>900</Sole>
				<Shared>0</Shared>
				<None>63</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Acuity Brands</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>00508Y102</cusip>
			<value>3</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>Agilent Technologies Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>00846U101</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>152</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>152</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Agree Realty Corp.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>008492100</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>56</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>56</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Air Prod &amp; Chemicals Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>009158106</cusip>
			<value>108</value>
			<shrsOrPrnAmt>
				<sshPrnamt>800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Alexandria Real Estate Equitie</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>015271109</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>131</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>131</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Allete Inc New</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>018522300</cusip>
			<value>35</value>
			<shrsOrPrnAmt>
				<sshPrnamt>519</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>519</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Allstate Corporation</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>020002101</cusip>
			<value>121</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1482</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1482</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Alphabet Inc. Class A</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>02079K305</cusip>
			<value>47</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>Alphabet Inc. Class C</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>02079K107</cusip>
			<value>52</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>55</Sole>
				<Shared>0</Shared>
				<None>8</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Altria Group Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>02209S103</cusip>
			<value>229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3209</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3209</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Amazon Com, Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>023135106</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10</Sole>
				<Shared>0</Shared>
				<None>8</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>America Movil ADR</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>02364W105</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>American Electric Power</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>025537101</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>American Water Works Co</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>030420103</cusip>
			<value>16</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>Amern Tower Corp Class A</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>029912201</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>72</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>72</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Amgen Incorporated</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>031162100</cusip>
			<value>548</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3340</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3340</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Annaly Capital Mgmt</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>035710409</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Apartment Invt &amp; Mgmt Co</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>03748R101</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>105</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>105</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Apple Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>037833100</cusip>
			<value>120</value>
			<shrsOrPrnAmt>
				<sshPrnamt>833</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>745</Sole>
				<Shared>0</Shared>
				<None>88</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Aqua America Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>03836W103</cusip>
			<value>51</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1582</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1582</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Astrazeneca Plc Adr</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>046353108</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>00206R102</cusip>
			<value>444</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10674</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10674</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Auto Data Processing</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>053015103</cusip>
			<value>132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1290</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1290</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Avalonbay Communities Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>053484101</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>29</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Baidu, Inc. Adr</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>056752108</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>145</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>145</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Bank Of America Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>060505104</cusip>
			<value>102</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4323</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4023</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Baxter International Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>071813109</cusip>
			<value>43</value>
			<shrsOrPrnAmt>
				<sshPrnamt>825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>825</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Becton Dickinson &amp; Co</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>075887109</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>126</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>126</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Berkshire Hathaway B New</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>084670702</cusip>
			<value>674</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4041</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3845</Sole>
				<Shared>0</Shared>
				<None>196</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Blackbaud Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>09227Q100</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>51</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>51</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Blackrock Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>09247X101</cusip>
			<value>38</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>Boston Properties, Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>101121101</cusip>
			<value>6</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>BP plc ADR</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>055622104</cusip>
			<value>5</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>Bristol-Myers Squibb Co</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>110122108</cusip>
			<value>247</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4543</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4055</Sole>
				<Shared>0</Shared>
				<None>488</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Buckeye Partners LP</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>118230101</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>360</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>360</Sole>
				<Shared>0</Shared>
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				<None>1800</None>
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			<nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
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			<nameOfIssuer>Carlisle Companies Inc.</nameOfIssuer>
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			<nameOfIssuer>CDK Global Inc</nameOfIssuer>
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			<nameOfIssuer>Charter Communications, Inc.</nameOfIssuer>
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			<nameOfIssuer>Check Point Software Technolog</nameOfIssuer>
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			<nameOfIssuer>Chemed Corporation New</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>Church &amp; Dwight Co. Inc.</nameOfIssuer>
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			<nameOfIssuer>CIBL, Inc.</nameOfIssuer>
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			<nameOfIssuer>Colgate-Palmolive Co</nameOfIssuer>
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		<infoTable>
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			<nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
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			<nameOfIssuer>Constellation Brand Cl A</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>Copart Inc.</nameOfIssuer>
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			<nameOfIssuer>Corning Inc</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CVS Caremark Corp</nameOfIssuer>
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			<nameOfIssuer>Digimarc Corp New</nameOfIssuer>
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			<nameOfIssuer>Digital Realty Trust Inc.</nameOfIssuer>
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			<nameOfIssuer>Dominion Res Inc Va New</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>Dow Chemical Company</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>Du Pont Chemical</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>Duke Energy Corp New</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>EastGroup Properties Inc.</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>Eastman Chemical Company</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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		<infoTable>
			<nameOfIssuer>Enterprise Products Partners L</nameOfIssuer>
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		<infoTable>
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			<nameOfIssuer>Express Scripts Holdings</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>602</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Exxon Mobil Corporation</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19106</Sole>
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				<None>0</None>
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			<nameOfIssuer>Facebook Inc Class A</nameOfIssuer>
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			<cusip>30303M102</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
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				<None>0</None>
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			<nameOfIssuer>Fair Isaac Corp</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>30</Sole>
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				<None>0</None>
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			<nameOfIssuer>Federal Realty Investment Trus</nameOfIssuer>
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			<cusip>313747206</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>48</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Ford Motor Company</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>600</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>GCP Applied Technologies Inc.</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>General Dynamics Corp</nameOfIssuer>
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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>General Electric Company</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>2100</None>
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		<infoTable>
			<nameOfIssuer>General Mills Inc</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>732</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>General Motors Co</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>2000</None>
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			<nameOfIssuer>Glaxosmith Kline PLC ADR</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
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				<None>0</None>
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			<nameOfIssuer>Global Payments Inc</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1450</Sole>
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				<None>0</None>
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			<nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>340</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Guggenheim S&amp;P 500 Equal</nameOfIssuer>
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			<value>32</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>350</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Guggenheim S&amp;P 500 Pure Value</nameOfIssuer>
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			<cusip>78355W304</cusip>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>517400</Sole>
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				<None>22103</None>
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		<infoTable>
			<nameOfIssuer>Guggenheim S&amp;P 600 SmallCap Pu</nameOfIssuer>
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			<cusip>78355W700</cusip>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>7800</None>
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			<nameOfIssuer>Halyard Health Inc</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>31</Sole>
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				<None>37</None>
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		<infoTable>
			<nameOfIssuer>HCP Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>40414L109</cusip>
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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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			<nameOfIssuer>Hershey Company</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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			<value>17</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>158</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Hewlett Packard Enterprise</nameOfIssuer>
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			<cusip>42824C109</cusip>
			<value>45</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1900</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Hewlett-Packard Company</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1800</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Home Depot Inc</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>450</Sole>
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				<None>0</None>
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			<nameOfIssuer>Honeywell International</nameOfIssuer>
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			<value>104</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>834</Sole>
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				<None>0</None>
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			<nameOfIssuer>Huntington Ingalls Inds</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>446413106</cusip>
			<value>8</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>41</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ICICI Bank Ltd</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>45104G104</cusip>
			<value>77</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9000</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ICTC Group, Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>44929Y101</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>234</None>
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		<infoTable>
			<nameOfIssuer>IDEX Corp</nameOfIssuer>
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			<cusip>45167R104</cusip>
			<value>4</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>42</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Idexx Labs Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>45168D104</cusip>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Ingredion Inc</nameOfIssuer>
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			<cusip>457187102</cusip>
			<value>131</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1084</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Intel Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>458140100</cusip>
			<value>1002</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>26775</Sole>
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				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>International Business Machine</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>459200101</cusip>
			<value>272</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1560</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>International Paper Co</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>460146103</cusip>
			<value>20</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>iShares Core MSCI EAFE</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>46432F842</cusip>
			<value>14</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>235</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares Core MSCI Total Intern</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>46432F834</cusip>
			<value>125</value>
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				<sshPrnamt>2280</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2280</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>iShares Core US Growth</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287671</cusip>
			<value>241</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5200</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares Emerging Markets</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>46434G103</cusip>
			<value>3558</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>72018</Sole>
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				<None>2425</None>
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		<infoTable>
			<nameOfIssuer>iShares International High Div</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464288448</cusip>
			<value>8</value>
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				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>270</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares Momentum Factor</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>46432F396</cusip>
			<value>30903</value>
			<shrsOrPrnAmt>
				<sshPrnamt>373905</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>356355</Sole>
				<Shared>0</Shared>
				<None>17550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares MSCI Canada</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464286509</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>71</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>71</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares MSCI EAFE</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287465</cusip>
			<value>978</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15706</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>15706</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares MSCI EAFE Smallcap</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464288273</cusip>
			<value>988</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>16775</Sole>
				<Shared>0</Shared>
				<None>1475</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares MSCI EAFE Value</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464288877</cusip>
			<value>89</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1760</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>360</Sole>
				<Shared>0</Shared>
				<None>1400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares MSCI Emerging Markets</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287234</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>54</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>54</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares Russell 100 Growth</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>294</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>294</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IShares Russell 1000 Value</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287598</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>278</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>278</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares Russell 3000</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287689</cusip>
			<value>168</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1204</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1204</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares Russell Mid-Cap Value</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287473</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>103</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>103</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares S&amp;P 400 Midcap</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287507</cusip>
			<value>11286</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65918</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>64418</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares S&amp;P 400 Midcap Growth</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287606</cusip>
			<value>100</value>
			<shrsOrPrnAmt>
				<sshPrnamt>525</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>525</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares S&amp;P 500</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287200</cusip>
			<value>2622</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>11050</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares S&amp;P 500 Growth</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287309</cusip>
			<value>40</value>
			<shrsOrPrnAmt>
				<sshPrnamt>301</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>301</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares S&amp;P 500 Value</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287408</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2175</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2175</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>iShares S&amp;P 600 Smallcap</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>464287804</cusip>
			<value>2546</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36806</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>35440</Sole>
				<Shared>0</Shared>
				<None>1366</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Jack Henry &amp; Associates Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>426281101</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>37</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>478160104</cusip>
			<value>477</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3829</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3829</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JPMorgan Chase &amp; Co</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>46625H100</cusip>
			<value>709</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8071</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7946</Sole>
				<Shared>0</Shared>
				<None>125</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Kimberly-Clark Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>494368103</cusip>
			<value>118</value>
			<shrsOrPrnAmt>
				<sshPrnamt>900</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>600</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Kraft Heinz Company</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>500754106</cusip>
			<value>148</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1628</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1628</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Lazard LTD Class A</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>G54050102</cusip>
			<value>46</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Leggett &amp; Platt, Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>524660107</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LendingClub Corp.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>52603A109</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>471</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>471</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Liberty Expedia Hold</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>53046P109</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>346</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>346</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Liberty Interactive Corporatio</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>53071M104</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3132</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>3132</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Liberty Media Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>531229409</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Liberty Media Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>531229607</cusip>
			<value>74</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1910</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1910</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Liberty Ventures</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>53071M880</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>520</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>520</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>LICT Corporation</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>50187G104</cusip>
			<value>145</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>21</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Lion Biotechnologies</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>53619R102</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Lowe&apos;s Companies, Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>548661107</cusip>
			<value>16</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>LTC Properties Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>502175102</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>81</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>81</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>M &amp; T Bank Corporation</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>55261F104</cusip>
			<value>186</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Manulife Financial Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>56501R106</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1218</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1218</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Markel Corp.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>570535104</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Maxim Integrated Products, Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>57772K101</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>550</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>McDonalds Corp.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>580135101</cusip>
			<value>52</value>
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				<sshPrnamt>400</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Mckesson Corporation</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Merck &amp; Co Inc</nameOfIssuer>
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			<cusip>589331107</cusip>
			<value>331</value>
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				<sshPrnamt>5214</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5214</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Mettler-Toledo International I</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>592688105</cusip>
			<value>2</value>
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				<sshPrnamt>5</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Microsoft Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>594918104</cusip>
			<value>425</value>
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				<sshPrnamt>6455</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6355</Sole>
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				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Milestone Scientific Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>59935P100</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>10000</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Mondelez International</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>609207105</cusip>
			<value>205</value>
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				<sshPrnamt>4766</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4766</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Monsanto Co.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>61166W101</cusip>
			<value>116</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1022</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Morgan Stanley</nameOfIssuer>
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			<cusip>617446448</cusip>
			<value>27</value>
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				<sshPrnamt>624</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>624</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Mylan Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>625383104</cusip>
			<value>39</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>1000</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>National Australia Bank ADR</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>628530107</cusip>
			<value>117</value>
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				<sshPrnamt>9150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>9150</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>National Fuel Gas Co</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>636180101</cusip>
			<value>107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1800</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>National Retail Properties, In</nameOfIssuer>
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			<cusip>637417106</cusip>
			<value>2</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>39</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Navient Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>63938C108</cusip>
			<value>80</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5400</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>65339F101</cusip>
			<value>196</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1523</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1523</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Nice Systems LTD</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>653656108</cusip>
			<value>48</value>
			<shrsOrPrnAmt>
				<sshPrnamt>700</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>700</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Nike, Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>654106103</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>42</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Northrop Grumman Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>666807102</cusip>
			<value>62</value>
			<shrsOrPrnAmt>
				<sshPrnamt>261</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>261</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Northwest Bancshares Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>667340103</cusip>
			<value>11</value>
			<shrsOrPrnAmt>
				<sshPrnamt>675</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>675</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Occidental Pete Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>674599105</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Oracle Corporation</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>68389X105</cusip>
			<value>196</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4400</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4400</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Parker Hannifin</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>701094104</cusip>
			<value>162</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1012</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1012</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Paychex Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>704326107</cusip>
			<value>1270</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21560</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Pembina Pipeline Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>706327103</cusip>
			<value>5</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>170</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PepsiCo Incorporated</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>713448108</cusip>
			<value>164</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1465</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Petrochina Co. ADR</nameOfIssuer>
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			<cusip>71646E100</cusip>
			<value>15</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Pfizer Incorporated</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>717081103</cusip>
			<value>191</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5515</Sole>
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				<None>55</None>
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		<infoTable>
			<nameOfIssuer>Philip Morris Intl Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>718172109</cusip>
			<value>746</value>
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				<sshPrnamt>6612</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6612</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Phillips 66</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>718546104</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>200</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>PPG Industries</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>693506107</cusip>
			<value>42</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Praxair Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>74005P104</cusip>
			<value>11</value>
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				<sshPrnamt>90</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>90</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Principal Financial Group Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>74251V102</cusip>
			<value>44</value>
			<shrsOrPrnAmt>
				<sshPrnamt>702</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>702</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>742718109</cusip>
			<value>429</value>
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				<sshPrnamt>4772</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>4501</Sole>
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				<None>271</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Quest Diagnostics</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>74834L100</cusip>
			<value>59</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>600</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Raytheon Company</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>742718109</cusip>
			<value>3</value>
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				<sshPrnamt>22</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Real Estate Select Sector ETF</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>81369Y860</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>173</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>173</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Royal Bank Of Canada</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>780087102</cusip>
			<value>23</value>
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				<sshPrnamt>315</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>315</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Royal Dutch Shell A ADR</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>780259206</cusip>
			<value>6</value>
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				<sshPrnamt>120</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>120</Sole>
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		<infoTable>
			<nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>350</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab DJ U.S. Large-Cap</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>6575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6575</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab DJ U.S. Mid-Cap</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>19955</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>19955</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab DJ U.S. Select REIT</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>808524847</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>33715</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>33430</Sole>
				<Shared>0</Shared>
				<None>285</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab DJ U.S. Small-Cap</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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			<value>148</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2343</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2343</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab FTSE Developed Ex-US</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>808524805</cusip>
			<value>9320</value>
			<shrsOrPrnAmt>
				<sshPrnamt>312007</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>306932</Sole>
				<Shared>0</Shared>
				<None>5075</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab FTSE Emerging Markets</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>808524706</cusip>
			<value>3183</value>
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				<sshPrnamt>132810</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>130365</Sole>
				<Shared>0</Shared>
				<None>2445</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab U.S. Broad Stock Market</nameOfIssuer>
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			<value>452</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7927</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7677</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab US Dividend Equity ETF</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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			<value>17</value>
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				<sshPrnamt>380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>380</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab US Large-Cap Value</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>808524409</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>495</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>495</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Seadrill</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>G7945E105</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>7590</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Sector Spdr Energy Select</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>1</value>
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				<sshPrnamt>21</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>21</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Sector SPDR Financials</nameOfIssuer>
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			<cusip>81369Y605</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1250</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Shire plc</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>71</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Simon Property Group Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>828806109</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>80</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>80</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Skechers USA Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>830566105</cusip>
			<value>27</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SLM Corporation</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>5400</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR DJ Wilshire Intl REIT</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>78463X863</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR DJ Wilshire REIT</nameOfIssuer>
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			<value>621</value>
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				<sshPrnamt>6730</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6730</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR Global Allocation</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>78467V400</cusip>
			<value>2</value>
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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>SPDR S&amp;P 500</nameOfIssuer>
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			<cusip>78462F103</cusip>
			<value>5437</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>22814</Sole>
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				<None>250</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P Midcap 400</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>78467Y107</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<votingAuthority>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Spire Inc</nameOfIssuer>
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			<value>27</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Starbucks Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>855244109</cusip>
			<value>12</value>
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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>
		<infoTable>
			<nameOfIssuer>State Street Corp.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>857477103</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>63</None>
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		<infoTable>
			<nameOfIssuer>Steelcase Inc Cl A</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>858155203</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1000</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Stryker Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>863667101</cusip>
			<value>105</value>
			<shrsOrPrnAmt>
				<sshPrnamt>800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>800</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Suncor Energy Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>867224107</cusip>
			<value>191</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>6200</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>T.J.X.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>872540109</cusip>
			<value>79</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<votingAuthority>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Target Corporation</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>87612E106</cusip>
			<value>66</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1200</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Tegna, Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>87901J105</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>600</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>600</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>The Southern Company</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>842587107</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>100</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>The Walt Disney Company</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>254687106</cusip>
			<value>232</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>2050</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Thermo Fisher Scientific</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>883556102</cusip>
			<value>209</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1363</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Time Warner Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>887317303</cusip>
			<value>37</value>
			<shrsOrPrnAmt>
				<sshPrnamt>382</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>382</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>89417E109</cusip>
			<value>21</value>
			<shrsOrPrnAmt>
				<sshPrnamt>176</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>176</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>Unilever NV</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>904784709</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Union Pacific Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>907818108</cusip>
			<value>254</value>
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			<nameOfIssuer>Vanguard Corp Bond Etf</nameOfIssuer>
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			<nameOfIssuer>Vanguard Dividend Appreciation</nameOfIssuer>
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			<nameOfIssuer>Vanguard Europe Pacific</nameOfIssuer>
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			<nameOfIssuer>Vanguard Extended Market ETF</nameOfIssuer>
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			<nameOfIssuer>Vanguard FTSE All World Ex-US</nameOfIssuer>
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			<nameOfIssuer>Vanguard FTSE Emerging Mkts.</nameOfIssuer>
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			<nameOfIssuer>Vanguard Small Cap</nameOfIssuer>
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			<nameOfIssuer>Vanguard Small Cap Value</nameOfIssuer>
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			<cusip>922908611</cusip>
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			<votingAuthority>
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			<nameOfIssuer>Vanguard Total International</nameOfIssuer>
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			<votingAuthority>
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			<nameOfIssuer>Vanguard Total Stock Mkt</nameOfIssuer>
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			<cusip>922908769</cusip>
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			<nameOfIssuer>Vanguard Value ETF</nameOfIssuer>
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			<nameOfIssuer>Verizon Communications</nameOfIssuer>
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			<votingAuthority>
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			<nameOfIssuer>Versum Materials Inc.</nameOfIssuer>
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			<votingAuthority>
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			<nameOfIssuer>Viacom Inc Cl B New</nameOfIssuer>
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			<votingAuthority>
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			<nameOfIssuer>Visa Inc.</nameOfIssuer>
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			<votingAuthority>
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			<nameOfIssuer>Vodafone Group New ADR</nameOfIssuer>
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			<votingAuthority>
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			<nameOfIssuer>W P Carey Inc</nameOfIssuer>
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			<votingAuthority>
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			<nameOfIssuer>W.R. Grace &amp; Co.</nameOfIssuer>
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			<nameOfIssuer>Wabash National Corp</nameOfIssuer>
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			<nameOfIssuer>Wal-Mart Stores Inc</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>Walgreens Boots Alliance</nameOfIssuer>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>Waste Management Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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			<nameOfIssuer>Wells Fargo &amp; Co New</nameOfIssuer>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>WEX Inc.</nameOfIssuer>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>Weyerhaeuser Co</nameOfIssuer>
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			<cusip>962166104</cusip>
			<value>34</value>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>994</Sole>
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		<infoTable>
			<nameOfIssuer>Whole Foods Market Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>75</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Windstream Holdings, Inc.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>68</Sole>
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		<infoTable>
			<nameOfIssuer>WisdomTree DEFA</nameOfIssuer>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>275</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>Wisdomtree Equity Inc Fd</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>97717W208</cusip>
			<value>48</value>
			<shrsOrPrnAmt>
				<sshPrnamt>696</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>696</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>World Fuel Services Corp.</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>981475106</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Xenia Hotels &amp; Resorts Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>984017103</cusip>
			<value>33</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1922</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1922</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Xerox Corp</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>984121103</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>531</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>531</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Zimmer Holdings Inc</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>98956P102</cusip>
			<value>112</value>
			<shrsOrPrnAmt>
				<sshPrnamt>920</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>920</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Schwab US Agg Bond</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>808524839</cusip>
			<value>538</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10389</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>10389</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>Vanguard Short-Term Bond</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>921937827</cusip>
			<value>6</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>Vanguard Total Bond Market</nameOfIssuer>
			<titleOfClass>Equities</titleOfClass>
			<cusip>921937835</cusip>
			<value>131</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1617</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<votingAuthority>
				<Sole>1317</Sole>
				<Shared>0</Shared>
				<None>300</None>
			</votingAuthority>
		</infoTable>
</informationTable>
