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        <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
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        <nameOfIssuer>ALPHABET INC</nameOfIssuer>
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        <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
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        <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
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        <nameOfIssuer>APPLE INC</nameOfIssuer>
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        <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
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        <cusip>053015103</cusip>
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        <nameOfIssuer>CME GROUP INC</nameOfIssuer>
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        <nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>126650100</cusip>
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        <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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        <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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        <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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        <cusip>17275R102</cusip>
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        <nameOfIssuer>COCA COLA CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>191216100</cusip>
        <value>2593578</value>
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        </votingAuthority>
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        <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>194162103</cusip>
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        <otherManager>7000</otherManager>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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        </votingAuthority>
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        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
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        <otherManager>7000</otherManager>
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            <None>512</None>
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        <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
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        <nameOfIssuer>ECOLAB INC</nameOfIssuer>
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        <otherManager>7000</otherManager>
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        <nameOfIssuer>ECOLAB INC</nameOfIssuer>
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            <None>0</None>
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        <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>7238</Sole>
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        <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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            <None>1150</None>
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        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>2313</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30303M102</cusip>
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        <investmentDiscretion>SOLE</investmentDiscretion>
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            <None>0</None>
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        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>525</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>FIDELITY MSCI CONSUMER</nameOfIssuer>
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        <cusip>316092204</cusip>
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        <otherManager>7000</otherManager>
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            <None>0</None>
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        <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer>
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        <otherManager>7000</otherManager>
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            <Sole>6185</Sole>
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            <None>159</None>
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        <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>87</Sole>
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        <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>36828A101</cusip>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>6011</Sole>
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        <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>36828A101</cusip>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>123</Sole>
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        <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>369604301</cusip>
        <value>4926099</value>
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            <sshPrnamt>24612</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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        <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>437</Sole>
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        <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>370334104</cusip>
        <value>709768</value>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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        <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>437076102</cusip>
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        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>0</None>
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        <nameOfIssuer>INTEL CORP</nameOfIssuer>
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        <cusip>458140100</cusip>
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        <otherManager>7000</otherManager>
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        <nameOfIssuer>INTEL CORP</nameOfIssuer>
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        <investmentDiscretion>OTR</investmentDiscretion>
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        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>823814</value>
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        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>418495</value>
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        <otherManager>7000</otherManager>
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        <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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        <cusip>46090E103</cusip>
        <value>653206</value>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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        <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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        <cusip>46090E103</cusip>
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        <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP (MKT)</nameOfIssuer>
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        <cusip>464287507</cusip>
        <value>225698</value>
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            <sshPrnamt>3868</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>4637646</value>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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        <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>917177</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>2649</Sole>
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        <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46982L108</cusip>
        <value>154135</value>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1275</Sole>
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    <infoTable>
        <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46982L108</cusip>
        <value>56819</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>2659410</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>16036</Sole>
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    <infoTable>
        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>625051</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1269</Sole>
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        <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>532457108</cusip>
        <value>697068</value>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>844</Sole>
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    <infoTable>
        <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>532457108</cusip>
        <value>710283</value>
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            <sshPrnamt>860</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>160</Sole>
            <Shared>700</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
        <value>234076</value>
        <shrsOrPrnAmt>
            <sshPrnamt>524</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>524</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
        <value>81748</value>
        <shrsOrPrnAmt>
            <sshPrnamt>183</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>183</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>548661107</cusip>
        <value>1239619</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5315</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>5315</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>548661107</cusip>
        <value>123145</value>
        <shrsOrPrnAmt>
            <sshPrnamt>528</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>528</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>481565</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6925</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>6925</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>180804</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2600</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>2600</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>57636Q104</cusip>
        <value>49331</value>
        <shrsOrPrnAmt>
            <sshPrnamt>90</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>90</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>57636Q104</cusip>
        <value>219248</value>
        <shrsOrPrnAmt>
            <sshPrnamt>400</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>1728032</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5532</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>5532</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>195857</value>
        <shrsOrPrnAmt>
            <sshPrnamt>627</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>427</Sole>
            <Shared>200</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>555256</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6186</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>6186</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>273319</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3045</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>566</Sole>
            <Shared>2479</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
        <value>3616508</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9634</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>9634</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
        <value>1078495</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2873</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2873</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NIKE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>654106103</cusip>
        <value>635308</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10008</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>10008</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NIKE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>654106103</cusip>
        <value>30153</value>
        <shrsOrPrnAmt>
            <sshPrnamt>475</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>475</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>655844108</cusip>
        <value>224061</value>
        <shrsOrPrnAmt>
            <sshPrnamt>946</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>946</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>655844108</cusip>
        <value>253430</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1070</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1070</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>1242770</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8889</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>8889</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>27962</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>100</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>1619802</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10803</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>10803</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>380698</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2539</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1739</Sole>
            <Shared>800</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>353418</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13947</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>13947</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>56913</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2246</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2246</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>718172109</cusip>
        <value>447460</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2819</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2819</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>718172109</cusip>
        <value>142857</value>
        <shrsOrPrnAmt>
            <sshPrnamt>900</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>900</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>2343104</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13749</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>13749</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>459113</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2694</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2694</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>1445667</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10914</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>10914</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>209949</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1585</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1585</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>842587107</cusip>
        <value>576714</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6272</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>6272</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>842587107</cusip>
        <value>354009</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3850</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2350</Sole>
            <Shared>1500</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>857477103</cusip>
        <value>403422</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4506</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4506</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>857477103</cusip>
        <value>26859</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>300</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TARGET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>87612E106</cusip>
        <value>447496</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4288</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4288</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TARGET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>87612E106</cusip>
        <value>143286</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1373</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>973</Sole>
            <Shared>400</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>882508104</cusip>
        <value>1187817</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6610</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>6610</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>509752</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3471</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3471</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>47876</value>
        <shrsOrPrnAmt>
            <sshPrnamt>326</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>326</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TRUSTCO BANK CORP NY</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>898349204</cusip>
        <value>3349235</value>
        <shrsOrPrnAmt>
            <sshPrnamt>109883</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>109883</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TRUSTCO BANK CORP NY</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>898349204</cusip>
        <value>21518</value>
        <shrsOrPrnAmt>
            <sshPrnamt>706</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>706</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>911312106</cusip>
        <value>220641</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2006</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2006</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>911312106</cusip>
        <value>70065</value>
        <shrsOrPrnAmt>
            <sshPrnamt>637</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>237</Sole>
            <Shared>400</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD MID-CAP ETF (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>922908629</cusip>
        <value>170949</value>
        <shrsOrPrnAmt>
            <sshPrnamt>661</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>661</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD MID-CAP ETF (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>922908629</cusip>
        <value>54828</value>
        <shrsOrPrnAmt>
            <sshPrnamt>212</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>212</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92343V104</cusip>
        <value>449972</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9920</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>9920</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92343V104</cusip>
        <value>144789</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3192</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1792</Sole>
            <Shared>1400</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>931142103</cusip>
        <value>1638340</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18662</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>18662</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>931142103</cusip>
        <value>318239</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3625</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1425</Sole>
            <Shared>2200</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON CTLS INTL PLC SHS</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G51502105</cusip>
        <value>388212</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4846</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4846</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON CTLS INTL PLC SHS</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G51502105</cusip>
        <value>33326</value>
        <shrsOrPrnAmt>
            <sshPrnamt>416</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>416</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G5960L103</cusip>
        <value>441842</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4917</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4917</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G5960L103</cusip>
        <value>94353</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1050</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>250</Sole>
            <Shared>800</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
</informationTable>
