<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <infoTable>
    <nameOfIssuer>AT &amp; T Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00206R102</cusip>
    <value>48883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT &amp; T Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00206R102</cusip>
    <value>207112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>7334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Abbott Laboratories</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>002824100</cusip>
    <value>3148260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>19239</Sole>
      <Shared>0</Shared>
      <None>4266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Abbott Laboratories</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>002824100</cusip>
    <value>1596967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>11923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AbbVie Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>2567316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>10388</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AbbVie Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>1079671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Adobe Systems, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00724F101</cusip>
    <value>6905081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>17943</Sole>
      <Shared>6</Shared>
      <None>1626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Adobe Systems, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00724F101</cusip>
    <value>288902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>812</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Advanced Micro Devices, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>007903107</cusip>
    <value>269704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Advanced Micro Devices, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>007903107</cusip>
    <value>87852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Air Products And Chemicals, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>009158106</cusip>
    <value>3760263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13218</Sole>
      <Shared>0</Shared>
      <None>570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Air Products And Chemicals, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>009158106</cusip>
    <value>979338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alphabet Inc Class C</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K107</cusip>
    <value>36232690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>136684</Sole>
      <Shared>16</Shared>
      <None>12069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alphabet Inc Class C</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K107</cusip>
    <value>2888016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>11822</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alphabet Inc Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K305</cusip>
    <value>5207202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>21420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alphabet Inc Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K305</cusip>
    <value>1345559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Altria Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02209S103</cusip>
    <value>114746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>237</Sole>
      <Shared>0</Shared>
      <None>1500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Altria Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02209S103</cusip>
    <value>126175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amazon.com Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>023135106</cusip>
    <value>12189429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>51788</Sole>
      <Shared>10</Shared>
      <None>3717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amazon.com Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>023135106</cusip>
    <value>2185600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>9929</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Electric Power Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>025537101</cusip>
    <value>269100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Electric Power Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>025537101</cusip>
    <value>135450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Express Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>025816109</cusip>
    <value>548396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1651</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Express Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>025816109</cusip>
    <value>16940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cencora Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03073E105</cusip>
    <value>4355418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13007</Sole>
      <Shared>4</Shared>
      <None>925</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cencora Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03073E105</cusip>
    <value>162203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amgen Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>031162100</cusip>
    <value>1244220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amgen Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>031162100</cusip>
    <value>38097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Apple, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>037833100</cusip>
    <value>46048817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>166180</Sole>
      <Shared>9</Shared>
      <None>14657</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Apple, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>037833100</cusip>
    <value>6680473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>22009</Sole>
      <Shared>0</Shared>
      <None>4227</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Automatic Data Processing</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>053015103</cusip>
    <value>2941457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>7752</Sole>
      <Shared>0</Shared>
      <None>2270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Automatic Data Processing</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>053015103</cusip>
    <value>1511525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank Of America Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>060505104</cusip>
    <value>126757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank Of America Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>060505104</cusip>
    <value>144710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank of Montreal</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>063671101</cusip>
    <value>417451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1205</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank of Montreal</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>063671101</cusip>
    <value>360793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>084670108</cusip>
    <value>1508400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc Cl B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>084670702</cusip>
    <value>21698761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>39338</Sole>
      <Shared>5</Shared>
      <None>3818</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc Cl B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>084670702</cusip>
    <value>883817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1746</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Blackstone Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09260D107</cusip>
    <value>11400479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>63130</Sole>
      <Shared>16</Shared>
      <None>3582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Blackstone Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09260D107</cusip>
    <value>625824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3630</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09290D101</cusip>
    <value>8527173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6667</Sole>
      <Shared>0</Shared>
      <None>647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09290D101</cusip>
    <value>261155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Boeing Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>097023105</cusip>
    <value>203959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>895</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Boeing Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>097023105</cusip>
    <value>409861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1899</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>811249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2444</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>21444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126408103</cusip>
    <value>954970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>9493</Sole>
      <Shared>0</Shared>
      <None>17400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>126408103</cusip>
    <value>159795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Canadian National Railway</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>136375102</cusip>
    <value>1794435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>18043</Sole>
      <Shared>0</Shared>
      <None>986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Canadian National Railway</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>136375102</cusip>
    <value>802587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>8485</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Capital One Financial Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14040H105</cusip>
    <value>442804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Caterpillar, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>588803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1134</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Caterpillar, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>149123101</cusip>
    <value>183703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>1330525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>7668</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>166764100</cusip>
    <value>475498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2462</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chipotle Mexican Grill Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>169656105</cusip>
    <value>3769764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>88514</Sole>
      <Shared>18</Shared>
      <None>7660</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chipotle Mexican Grill Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>169656105</cusip>
    <value>196773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cisco Systems, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>292085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3569</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cisco Systems, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>242412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2343</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cleveland Cliffs Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>185899101</cusip>
    <value>4087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cleveland Cliffs Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>185899101</cusip>
    <value>146400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>12000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Coca Cola Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191216100</cusip>
    <value>424116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Coca Cola Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>191216100</cusip>
    <value>36542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Colgate-Palmolive Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>194162103</cusip>
    <value>626730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6140</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Colgate-Palmolive Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>194162103</cusip>
    <value>526805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corp Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
    <value>200962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6196</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corp Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
    <value>4839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>194855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1935</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ConocoPhillips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>118238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consolidated Edison Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>209115104</cusip>
    <value>316236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Copart Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>217204106</cusip>
    <value>8397023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>172292</Sole>
      <Shared>51</Shared>
      <None>14382</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Copart Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>217204106</cusip>
    <value>216396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4757</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160K105</cusip>
    <value>23039856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>22725</Sole>
      <Shared>2</Shared>
      <None>2164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160K105</cusip>
    <value>771975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>828</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cummins, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>231021106</cusip>
    <value>859101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cummins, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>231021106</cusip>
    <value>1476183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3395</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>235851102</cusip>
    <value>645931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2828</Sole>
      <Shared>0</Shared>
      <None>430</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>235851102</cusip>
    <value>153652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Deere &amp; Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>244199105</cusip>
    <value>13106443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>26634</Sole>
      <Shared>4</Shared>
      <None>2025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Deere &amp; Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>244199105</cusip>
    <value>476465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>931</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Walt Disney Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>254687106</cusip>
    <value>6340209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>51186</Sole>
      <Shared>18</Shared>
      <None>4169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Walt Disney Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>254687106</cusip>
    <value>258656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1828</Sole>
      <Shared>0</Shared>
      <None>431</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dover Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>260003108</cusip>
    <value>150147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Dover Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>260003108</cusip>
    <value>605259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Duke Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26441C204</cusip>
    <value>621225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4760</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Duke Energy Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26441C204</cusip>
    <value>360113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG Resources, Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26875P101</cusip>
    <value>3984745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>33161</Sole>
      <Shared>8</Shared>
      <None>2371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG Resources, Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>26875P101</cusip>
    <value>265949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2352</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ebay Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>278642103</cusip>
    <value>212368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ebay Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>278642103</cusip>
    <value>8186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ecolab Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>278865100</cusip>
    <value>5848828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>19877</Sole>
      <Shared>5</Shared>
      <None>1475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ecolab Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>278865100</cusip>
    <value>978776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3561</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Emerson Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>291011104</cusip>
    <value>2820239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>18199</Sole>
      <Shared>0</Shared>
      <None>3300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Emerson Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>291011104</cusip>
    <value>196508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Enbridge Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>29250N105</cusip>
    <value>6386319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>117905</Sole>
      <Shared>22</Shared>
      <None>8635</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Enbridge Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>29250N105</cusip>
    <value>623332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>12308</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30231G102</cusip>
    <value>9618928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>78892</Sole>
      <Shared>10</Shared>
      <None>6410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1649645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>14606</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Meta Platforms Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30303M102</cusip>
    <value>13913563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>17675</Sole>
      <Shared>4</Shared>
      <None>1267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Meta Platforms Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>30303M102</cusip>
    <value>835724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1127</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>316773100</cusip>
    <value>221057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>316773100</cusip>
    <value>52213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Merchants Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>320817109</cusip>
    <value>206031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1656</Sole>
      <Shared>0</Shared>
      <None>3809</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Source Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>336901103</cusip>
    <value>110316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Source Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>336901103</cusip>
    <value>121027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>1166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>337738108</cusip>
    <value>146722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>638</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>337738108</cusip>
    <value>68591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Flexshares Credit Scored US Corp Bond Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L761</cusip>
    <value>14788150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>283189</Sole>
      <Shared>166</Shared>
      <None>16912</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Flexshares Credit Scored US Corp Bond Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L761</cusip>
    <value>506635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>10287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Flexshares Developed ex-US Factor Tilt Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L803</cusip>
    <value>11509475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>122859</Sole>
      <Shared>0</Shared>
      <None>6847</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Flexshares Developed ex-US Factor Tilt Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>33939L803</cusip>
    <value>218732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2382</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369550108</cusip>
    <value>454553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1308</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Dynamics</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369550108</cusip>
    <value>34100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE Aerospace</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369604301</cusip>
    <value>125141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE Aerospace</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>369604301</cusip>
    <value>160036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Mills Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>370334104</cusip>
    <value>577662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>10057</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>General Mills Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>370334104</cusip>
    <value>25210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Genuine Parts Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>372460105</cusip>
    <value>466528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences, Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>375558103</cusip>
    <value>222000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Gilead Sciences, Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>375558103</cusip>
    <value>160950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Home Depot, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>437076102</cusip>
    <value>639795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1433</Sole>
      <Shared>0</Shared>
      <None>146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Home Depot, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>437076102</cusip>
    <value>144248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Honeywell International, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>438516106</cusip>
    <value>717384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3408</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Honeywell International, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>438516106</cusip>
    <value>161243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Horizon Bancorp Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>440407104</cusip>
    <value>4038971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>227037</Sole>
      <Shared>0</Shared>
      <None>25241</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Horizon Bancorp Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>440407104</cusip>
    <value>175085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>10936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>45073V108</cusip>
    <value>286016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>45073V108</cusip>
    <value>71504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Illinois Tool Works</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>452308109</cusip>
    <value>1953614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6317</Sole>
      <Shared>0</Shared>
      <None>1175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Illinois Tool Works</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>452308109</cusip>
    <value>134291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Business Machines Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>459200101</cusip>
    <value>166192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>589</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>International Business Machines Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>459200101</cusip>
    <value>681699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2016</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco QQQ Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46090E103</cusip>
    <value>8588293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13171</Sole>
      <Shared>0</Shared>
      <None>1134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco QQQ Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46090E103</cusip>
    <value>169304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI Global Silver&amp;Mtls Mnrs ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464286327</cusip>
    <value>251229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>9179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P 100</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287101</cusip>
    <value>26446468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>70981</Sole>
      <Shared>0</Shared>
      <None>8476</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P 100</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287101</cusip>
    <value>258950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>738</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares TR Morningstar Large-Cap ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287127</cusip>
    <value>434374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287200</cusip>
    <value>335319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE Index Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287465</cusip>
    <value>5121718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>50351</Sole>
      <Shared>0</Shared>
      <None>4503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE Index Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287465</cusip>
    <value>54808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P Midcap 400 Index Fund I Shares</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287507</cusip>
    <value>19783700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>283320</Sole>
      <Shared>75</Shared>
      <None>19757</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P Midcap 400 Index Fund I Shares</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287507</cusip>
    <value>367936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5518</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares TR Expanded Tech Sector ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287549</cusip>
    <value>284899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Consumer Discretionary ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287580</cusip>
    <value>215469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares S&amp;P Midcap 400 Growth</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287606</cusip>
    <value>535354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Technology Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287721</cusip>
    <value>419924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2112</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares US Technology Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287721</cusip>
    <value>20957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares DJ U.S. Healthcare Sector</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287762</cusip>
    <value>220200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P Smallcap 600 Index Fund I Shares</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287804</cusip>
    <value>23016539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>179886</Sole>
      <Shared>25</Shared>
      <None>13782</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P Smallcap 600 Index Fund I Shares</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464287804</cusip>
    <value>794973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6589</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares National Muni Bond ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288414</cusip>
    <value>231722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI USA ESG Select ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>464288802</cusip>
    <value>212157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMorgan Chase &amp; Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46625H100</cusip>
    <value>24424060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>71247</Sole>
      <Shared>11</Shared>
      <None>6173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMorgan Chase &amp; Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>46625H100</cusip>
    <value>4406873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13942</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>478160104</cusip>
    <value>5185827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>24191</Sole>
      <Shared>0</Shared>
      <None>3777</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>478160104</cusip>
    <value>1465931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6806</Sole>
      <Shared>0</Shared>
      <None>1100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kinder Morgan Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>49456B101</cusip>
    <value>103133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kinder Morgan Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>49456B101</cusip>
    <value>133765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lamar Advertising Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>512816109</cusip>
    <value>226599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lamar Advertising Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>512816109</cusip>
    <value>20811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eli Lilly &amp; Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>532457108</cusip>
    <value>3237409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4154</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eli Lilly &amp; Co.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>532457108</cusip>
    <value>682122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lockheed Martin Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>539830109</cusip>
    <value>1018888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2016</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lockheed Martin Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>539830109</cusip>
    <value>318496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>638</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lowe's Companies</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>548661107</cusip>
    <value>7520200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>28475</Sole>
      <Shared>5</Shared>
      <None>1444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lowe's Companies</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>548661107</cusip>
    <value>874056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3466</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Marsh &amp; McLennan Cos Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>571748102</cusip>
    <value>12175233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>57535</Sole>
      <Shared>9</Shared>
      <None>2870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Marsh &amp; McLennan Cos Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>571748102</cusip>
    <value>351065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1717</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Masco Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>574599106</cusip>
    <value>4859444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>63430</Sole>
      <Shared>17</Shared>
      <None>5589</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Masco Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>574599106</cusip>
    <value>154154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2153</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MasterCard Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>21971993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>36165</Sole>
      <Shared>5</Shared>
      <None>2458</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MasterCard Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>631379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1098</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>McDonald's Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>580135101</cusip>
    <value>12872477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>41311</Sole>
      <Shared>0</Shared>
      <None>1048</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>McDonald's Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>580135101</cusip>
    <value>3520566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>11585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Merck &amp; Co. Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>260938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Merck &amp; Co. Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>29208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Microsoft Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>594918104</cusip>
    <value>24390266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>44553</Sole>
      <Shared>10</Shared>
      <None>2527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Microsoft Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>594918104</cusip>
    <value>2949725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4168</Sole>
      <Shared>0</Shared>
      <None>1527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN RIET Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>637417106</cusip>
    <value>746039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>16270</Sole>
      <Shared>0</Shared>
      <None>1255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN RIET Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>637417106</cusip>
    <value>125582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Netflix, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>64110L106</cusip>
    <value>1130582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>65339F101</cusip>
    <value>9430437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>105901</Sole>
      <Shared>14</Shared>
      <None>19008</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>65339F101</cusip>
    <value>712928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>9411</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nike, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>654106103</cusip>
    <value>1383373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>17039</Sole>
      <Shared>0</Shared>
      <None>2800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nike, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>654106103</cusip>
    <value>64919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Northern Trust Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>665859104</cusip>
    <value>291140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1763</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Northern Trust Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>665859104</cusip>
    <value>101085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>751</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novartis - ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>66987V109</cusip>
    <value>1033999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6313</Sole>
      <Shared>0</Shared>
      <None>1750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novo-Nordisk A/S ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>670100205</cusip>
    <value>5428642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>91354</Sole>
      <Shared>12</Shared>
      <None>6465</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Novo-Nordisk A/S ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>670100205</cusip>
    <value>207033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3699</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nvidia Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>67066G104</cusip>
    <value>141786807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>759925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>691789</Sole>
      <Shared>60</Shared>
      <None>68076</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Nvidia Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>67066G104</cusip>
    <value>12773453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>68376</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oneok, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>682680103</cusip>
    <value>247368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1584</Sole>
      <Shared>0</Shared>
      <None>1806</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oneok, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>682680103</cusip>
    <value>321068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oracle Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68389X105</cusip>
    <value>9268264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>27757</Sole>
      <Shared>0</Shared>
      <None>5198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oracle Corp.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1933806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Palantir Technologies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>69608A108</cusip>
    <value>208871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Palantir Technologies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>69608A108</cusip>
    <value>237146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>697435105</cusip>
    <value>10913625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>50175</Sole>
      <Shared>20</Shared>
      <None>3403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>697435105</cusip>
    <value>558326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2707</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Paychex Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>704326107</cusip>
    <value>355562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2483</Sole>
      <Shared>0</Shared>
      <None>322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Paychex Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>704326107</cusip>
    <value>35493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PayPal Holdings Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>206880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2335</Sole>
      <Shared>0</Shared>
      <None>750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PayPal Holdings Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>16094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pepsico, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>713448108</cusip>
    <value>8949399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>56456</Sole>
      <Shared>5</Shared>
      <None>7263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Pepsico, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>713448108</cusip>
    <value>715120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4680</Sole>
      <Shared>0</Shared>
      <None>412</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Philip Morris International Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>718172109</cusip>
    <value>563321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Philip Morris International Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>718172109</cusip>
    <value>310613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>742718109</cusip>
    <value>1484566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>9362</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Procter &amp; Gamble Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>742718109</cusip>
    <value>580490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3778</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Progressive Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>743315103</cusip>
    <value>490443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Progressive Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>743315103</cusip>
    <value>78530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Qualcomm Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>747525103</cusip>
    <value>931117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5522</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Qualcomm Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>747525103</cusip>
    <value>425216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>13994812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>76564</Sole>
      <Shared>15</Shared>
      <None>7057</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75513E101</cusip>
    <value>1346337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>7996</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Realty Income Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>756109104</cusip>
    <value>464983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>7064</Sole>
      <Shared>0</Shared>
      <None>585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Realty Income Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>756109104</cusip>
    <value>137629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78462F103</cusip>
    <value>12820634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>16651</Sole>
      <Shared>0</Shared>
      <None>2594</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2314309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3474</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBW Regional Banking Spdr</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A698</cusip>
    <value>828977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>12346</Sole>
      <Shared>0</Shared>
      <None>750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBW Regional Banking Spdr</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A698</cusip>
    <value>175341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A763</cusip>
    <value>1212133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>7955</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78464A763</cusip>
    <value>46497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Spdr Dow Jones Industrial Average ETF Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78467X109</cusip>
    <value>287519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MidCap 400 ETF Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>9117471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13845</Sole>
      <Shared>0</Shared>
      <None>1452</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MidCap 400 ETF Trust</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>455367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>764</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Bloomberg High Yield Bond ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78468R622</cusip>
    <value>2634069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>25294</Sole>
      <Shared>0</Shared>
      <None>1587</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR Bloomberg High Yield Bond ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78468R622</cusip>
    <value>26849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consumer Discretionary SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>8081140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>29331</Sole>
      <Shared>3</Shared>
      <None>4388</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consumer Discretionary SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>551412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2283</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>144210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2677</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>108225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Technology Select Sector Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2724741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5521</Sole>
      <Shared>0</Shared>
      <None>4146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Technology Select Sector Fund</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>542299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Communication Services Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>9965215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>72409</Sole>
      <Shared>0</Shared>
      <None>11778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Communication Services Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>438324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Southern Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>842587107</cusip>
    <value>1986758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>16039</Sole>
      <Shared>0</Shared>
      <None>4925</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Southern Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>842587107</cusip>
    <value>307529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stryker Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>863667101</cusip>
    <value>13063768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>32231</Sole>
      <Shared>5</Shared>
      <None>3103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stryker Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>863667101</cusip>
    <value>2174769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5870</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sysco Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>871829107</cusip>
    <value>4700544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>50362</Sole>
      <Shared>12</Shared>
      <None>6713</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sysco Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>871829107</cusip>
    <value>241997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2926</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Companies</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>872540109</cusip>
    <value>12354123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>79749</Sole>
      <Shared>16</Shared>
      <None>5707</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Companies</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>872540109</cusip>
    <value>625714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4282</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tesla Motors, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88160R101</cusip>
    <value>304633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tesla Motors, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88160R101</cusip>
    <value>26683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Thermo Fisher Scientific, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>883556102</cusip>
    <value>6942091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>12455</Sole>
      <Shared>3</Shared>
      <None>1855</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Thermo Fisher Scientific, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>883556102</cusip>
    <value>255121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>520</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>423641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2580</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>202510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>907818108</cusip>
    <value>210133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>889</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>911312106</cusip>
    <value>314574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3516</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United Parcel Service</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>911312106</cusip>
    <value>208825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91324P102</cusip>
    <value>4896009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13411</Sole>
      <Shared>4</Shared>
      <None>764</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91324P102</cusip>
    <value>183009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>524</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VanEck Vectors Morningstar Wide Moat ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92189F643</cusip>
    <value>19330910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>174522</Sole>
      <Shared>0</Shared>
      <None>20523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VanEck Vectors Morningstar Wide Moat ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92189F643</cusip>
    <value>128744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Intermediate-Term Bond Fund ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921937819</cusip>
    <value>4563267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>55925</Sole>
      <Shared>0</Shared>
      <None>2511</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Intermediate-Term Bond Fund ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921937819</cusip>
    <value>72077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term Bond ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921937827</cusip>
    <value>5551950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>66818</Sole>
      <Shared>0</Shared>
      <None>3540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short-Term Bond ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>921937827</cusip>
    <value>103214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1308</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short Term Corporate Bond ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92206C409</cusip>
    <value>7524930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>89337</Sole>
      <Shared>0</Shared>
      <None>4807</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short Term Corporate Bond ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92206C409</cusip>
    <value>120295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Growth ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922908736</cusip>
    <value>230213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard US Total Stock Market ETF</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>922908769</cusip>
    <value>762011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92343V104</cusip>
    <value>654416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>14465</Sole>
      <Shared>0</Shared>
      <None>425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92343V104</cusip>
    <value>285939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>748305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>174104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vistra Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92840M102</cusip>
    <value>333064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vistra Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92840M102</cusip>
    <value>308574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vulcan Materials Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>929160109</cusip>
    <value>3931076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>11972</Sole>
      <Shared>5</Shared>
      <None>802</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vulcan Materials Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>929160109</cusip>
    <value>206721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>562</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wal-Mart Stores, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>931142103</cusip>
    <value>859520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>8340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wal-Mart Stores, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>931142103</cusip>
    <value>476137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Waste Management, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>688990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Waste Management, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>220830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Welltower Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>9272187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>49216</Sole>
      <Shared>9</Shared>
      <None>2825</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Welltower Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>457464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2542</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Williams Companies, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>969457100</cusip>
    <value>1093991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>17025</Sole>
      <Shared>0</Shared>
      <None>244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Williams Companies, Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>969457100</cusip>
    <value>332588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Accenture PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1479847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5031</Sole>
      <Shared>0</Shared>
      <None>970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Accenture PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1104521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G29183103</cusip>
    <value>382858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G29183103</cusip>
    <value>374250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Linde PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G54950103</cusip>
    <value>1249725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2309</Sole>
      <Shared>0</Shared>
      <None>322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Linde PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G54950103</cusip>
    <value>16625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>219623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Medtronic PLC</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>142860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
