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		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>5787</value>
		<shrsOrPrnAmt>
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		<votingAuthority>
			<Sole>124917</Sole>
			<Shared>0</Shared>
			<None>22830</None>
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	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>637</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16272</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>13792</Sole>
			<Shared>0</Shared>
			<None>2480</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>1905</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45539</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36959</Sole>
			<Shared>0</Shared>
			<None>8580</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>273</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6534</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5182</Sole>
			<Shared>0</Shared>
			<None>1352</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>2186</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2935</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2339</Sole>
			<Shared>0</Shared>
			<None>596</None>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>295</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>263</Sole>
			<Shared>0</Shared>
			<None>32</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>4957</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6497</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5616</Sole>
			<Shared>0</Shared>
			<None>881</None>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>749</value>
		<shrsOrPrnAmt>
			<sshPrnamt>982</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>664</Sole>
			<Shared>0</Shared>
			<None>318</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>86</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1380</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1080</Sole>
			<Shared>0</Shared>
			<None>300</None>
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	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>157</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>1300</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>5300</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8928</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>1365</None>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>869</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1464</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1005</Sole>
			<Shared>0</Shared>
			<None>459</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>2769</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18468</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15719</Sole>
			<Shared>0</Shared>
			<None>2749</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>500</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3334</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2345</Sole>
			<Shared>0</Shared>
			<None>989</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>7666</value>
		<shrsOrPrnAmt>
			<sshPrnamt>70334</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59387</Sole>
			<Shared>0</Shared>
			<None>10947</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>1204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11046</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7485</Sole>
			<Shared>0</Shared>
			<None>3561</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053611109</cusip>
		<value>2356</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32667</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28032</Sole>
			<Shared>0</Shared>
			<None>4635</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053611109</cusip>
		<value>363</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5028</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2937</Sole>
			<Shared>0</Shared>
			<None>2091</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>5343</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37660</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30440</Sole>
			<Shared>0</Shared>
			<None>7220</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>550</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3880</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2542</Sole>
			<Shared>0</Shared>
			<None>1338</None>
		</votingAuthority>
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		<nameOfIssuer>BOEING CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2498</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2443</Sole>
			<Shared>0</Shared>
			<None>55</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOEING CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1956</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1356</Sole>
			<Shared>0</Shared>
			<None>600</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>1767</value>
		<shrsOrPrnAmt>
			<sshPrnamt>93955</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>80518</Sole>
			<Shared>0</Shared>
			<None>13437</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>241</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12837</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>10726</Sole>
			<Shared>0</Shared>
			<None>2111</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>5758</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>78469</Sole>
			<Shared>0</Shared>
			<None>11676</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>374</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5860</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4266</Sole>
			<Shared>0</Shared>
			<None>1594</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>5725</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55194</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41412</Sole>
			<Shared>0</Shared>
			<None>13782</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>597</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5757</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4144</Sole>
			<Shared>0</Shared>
			<None>1613</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CATERPILLAR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>2715</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35474</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28055</Sole>
			<Shared>0</Shared>
			<None>7419</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CATERPILLAR</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>149</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1947</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1405</Sole>
			<Shared>0</Shared>
			<None>542</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>3650</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38262</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31625</Sole>
			<Shared>0</Shared>
			<None>6637</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>748</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7836</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7236</Sole>
			<Shared>0</Shared>
			<None>600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>169656105</cusip>
		<value>868</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1842</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1593</Sole>
			<Shared>0</Shared>
			<None>249</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>169656105</cusip>
		<value>107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>183</Sole>
			<Shared>0</Shared>
			<None>45</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>2011</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48158</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40717</Sole>
			<Shared>0</Shared>
			<None>7441</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>289</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6917</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6091</Sole>
			<Shared>0</Shared>
			<None>826</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>56</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>1295</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27925</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>27925</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>3487</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57094</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>49053</Sole>
			<Shared>0</Shared>
			<None>8041</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5923</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4967</Sole>
			<Shared>0</Shared>
			<None>956</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>2611</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64843</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>51532</Sole>
			<Shared>0</Shared>
			<None>13311</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>160</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3964</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2953</Sole>
			<Shared>0</Shared>
			<None>1011</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORELOGIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21871D103</cusip>
		<value>1190</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34287</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34287</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DALA PETROLEUM CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>23426Y103</cusip>
		<value>28</value>
		<shrsOrPrnAmt>
			<sshPrnamt>240000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>240000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DELTA AIR LINES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>247361702</cusip>
		<value>2321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47672</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40910</Sole>
			<Shared>0</Shared>
			<None>6762</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DELTA AIR LINES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>247361702</cusip>
		<value>282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4989</Sole>
			<Shared>0</Shared>
			<None>813</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>4260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>42893</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36227</Sole>
			<Shared>0</Shared>
			<None>6666</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>763</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7683</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4499</Sole>
			<Shared>0</Shared>
			<None>3184</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOW CHEMICAL CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260543103</cusip>
		<value>701</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13782</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12447</Sole>
			<Shared>0</Shared>
			<None>1335</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>3153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39082</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33019</Sole>
			<Shared>0</Shared>
			<None>6063</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>458</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5682</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5022</Sole>
			<Shared>0</Shared>
			<None>660</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>2748</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37862</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32696</Sole>
			<Shared>0</Shared>
			<None>5166</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>314</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4322</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3701</Sole>
			<Shared>0</Shared>
			<None>621</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>3372</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46910</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41023</Sole>
			<Shared>0</Shared>
			<None>5887</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>609</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8471</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7705</Sole>
			<Shared>0</Shared>
			<None>766</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>5727</value>
		<shrsOrPrnAmt>
			<sshPrnamt>68509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>54044</Sole>
			<Shared>0</Shared>
			<None>14465</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>855</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9229</Sole>
			<Shared>0</Shared>
			<None>1003</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>30283Q560</cusip>
		<value>91</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11234</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11234</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>30284W202</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28440</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28440</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>3564</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31238</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25925</Sole>
			<Shared>0</Shared>
			<None>5313</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>512</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4484</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2965</Sole>
			<Shared>0</Shared>
			<None>1519</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>1259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33040</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>3165</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87992</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>69307</Sole>
			<Shared>0</Shared>
			<None>18685</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>181</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5045</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3646</Sole>
			<Shared>0</Shared>
			<None>1399</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>7729</value>
		<shrsOrPrnAmt>
			<sshPrnamt>243134</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>205669</Sole>
			<Shared>0</Shared>
			<None>37465</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>1039</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32686</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>27419</Sole>
			<Shared>0</Shared>
			<None>5267</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>4911</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49423</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>49423</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>2554</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27804</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23820</Sole>
			<Shared>0</Shared>
			<None>3984</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>471</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5128</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3657</Sole>
			<Shared>0</Shared>
			<None>1471</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>2531</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16126</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13616</Sole>
			<Shared>0</Shared>
			<None>2510</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>415</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2644</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2132</Sole>
			<Shared>0</Shared>
			<None>512</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HCA HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>40412C101</cusip>
		<value>993</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10721</Sole>
			<Shared>0</Shared>
			<None>1998</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HCA HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>40412C101</cusip>
		<value>201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1907</Sole>
			<Shared>0</Shared>
			<None>672</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HINES REAL ESTATE INVESTMENT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>433264108</cusip>
		<value>63</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13256</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13256</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>191</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1429</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>575</Sole>
			<Shared>0</Shared>
			<None>854</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>36</value>
		<shrsOrPrnAmt>
			<sshPrnamt>272</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>272</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>3613</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32248</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>27933</Sole>
			<Shared>0</Shared>
			<None>4315</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>469</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4183</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3623</Sole>
			<Shared>0</Shared>
			<None>560</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>207</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6390</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6390</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>104</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3230</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>4557</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30090</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23466</Sole>
			<Shared>0</Shared>
			<None>6624</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1758</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1293</Sole>
			<Shared>0</Shared>
			<None>465</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SELECT 10</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>46135K262</cusip>
		<value>139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14165</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
		<value>5937</value>
		<shrsOrPrnAmt>
			<sshPrnamt>72696</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33880</Sole>
			<Shared>0</Shared>
			<None>38816</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
		<value>669</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>8196</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287226</cusip>
		<value>6761</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61008</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34031</Sole>
			<Shared>0</Shared>
			<None>26977</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287226</cusip>
		<value>120</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1084</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1084</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>3998</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33645</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16661</Sole>
			<Shared>0</Shared>
			<None>16984</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>123</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1031</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1031</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287309</cusip>
		<value>241</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2079</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1561</Sole>
			<Shared>0</Shared>
			<None>518</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287408</cusip>
		<value>313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2604</Sole>
			<Shared>0</Shared>
			<None>871</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287440</cusip>
		<value>2890</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26193</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15444</Sole>
			<Shared>0</Shared>
			<None>10749</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287440</cusip>
		<value>149</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1354</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1354</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287465</cusip>
		<value>241</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4222</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>468</Sole>
			<Shared>0</Shared>
			<None>3754</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287465</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>240</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>240</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287499</cusip>
		<value>476</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2921</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>984</Sole>
			<Shared>0</Shared>
			<None>1937</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288406</cusip>
		<value>4296</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34756</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20107</Sole>
			<Shared>0</Shared>
			<None>14649</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288406</cusip>
		<value>144</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1167</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1167</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
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		<value>467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5716</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2827</Sole>
			<Shared>0</Shared>
			<None>2889</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288513</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>118</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>118</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288588</cusip>
		<value>236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2160</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1623</Sole>
			<Shared>0</Shared>
			<None>537</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288877</cusip>
		<value>1751</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39039</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17634</Sole>
			<Shared>0</Shared>
			<None>21405</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288877</cusip>
		<value>111</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2470</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46625H100</cusip>
		<value>5152</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>74698</Sole>
			<Shared>0</Shared>
			<None>12307</None>
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	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>46625H100</cusip>
		<value>943</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15926</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>14502</Sole>
			<Shared>0</Shared>
			<None>1424</None>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>5108</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47212</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35687</Sole>
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			<None>11525</None>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>3215</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1936</Sole>
			<Shared>0</Shared>
			<None>1279</None>
		</votingAuthority>
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	<infoTable>
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		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>485170302</cusip>
		<value>2581</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24785</Sole>
			<Shared>0</Shared>
			<None>5415</None>
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	<infoTable>
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		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>278</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3258</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2730</Sole>
			<Shared>0</Shared>
			<None>528</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LINKEDIN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>53578A108</cusip>
		<value>1084</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9480</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8116</Sole>
			<Shared>0</Shared>
			<None>1364</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LINKEDIN CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>130</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1135</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>979</Sole>
			<Shared>0</Shared>
			<None>156</None>
		</votingAuthority>
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	<infoTable>
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		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>2672</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35275</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30396</Sole>
			<Shared>0</Shared>
			<None>4879</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LOWE'S COS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>566</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7476</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4176</Sole>
			<Shared>0</Shared>
			<None>3300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MACY'S INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55616P104</cusip>
		<value>1753</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39751</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34336</Sole>
			<Shared>0</Shared>
			<None>5415</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MACY'S INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>55616P104</cusip>
		<value>192</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3679</Sole>
			<Shared>0</Shared>
			<None>686</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALD'S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>5453</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43385</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35857</Sole>
			<Shared>0</Shared>
			<None>7528</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALD'S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>328</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2607</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1876</Sole>
			<Shared>0</Shared>
			<None>731</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>5774</value>
		<shrsOrPrnAmt>
			<sshPrnamt>104547</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>86840</Sole>
			<Shared>0</Shared>
			<None>17707</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>999</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18090</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>15317</Sole>
			<Shared>0</Shared>
			<None>2773</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61945C103</cusip>
		<value>1421</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52648</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>44531</Sole>
			<Shared>0</Shared>
			<None>8117</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61945C103</cusip>
		<value>153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5672</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4786</Sole>
			<Shared>0</Shared>
			<None>886</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVARTIS AG-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4384</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4384</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVARTIS AG-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1531</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>66</Sole>
			<Shared>0</Shared>
			<None>1465</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>3706</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90598</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>76425</Sole>
			<Shared>0</Shared>
			<None>14173</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>378</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7735</Sole>
			<Shared>0</Shared>
			<None>1497</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>6222</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60715</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48020</Sole>
			<Shared>0</Shared>
			<None>12695</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>787</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7683</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5239</Sole>
			<Shared>0</Shared>
			<None>2444</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>5141</value>
		<shrsOrPrnAmt>
			<sshPrnamt>173444</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>150589</Sole>
			<Shared>0</Shared>
			<None>22855</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>679</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22921</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>20255</Sole>
			<Shared>0</Shared>
			<None>2666</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>436</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4445</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2945</Sole>
			<Shared>0</Shared>
			<None>1500</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>118</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>188</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2167</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2119</Sole>
			<Shared>0</Shared>
			<None>48</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718546104</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73935X682</cusip>
		<value>641</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26072</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19586</Sole>
			<Shared>0</Shared>
			<None>6486</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73935X716</cusip>
		<value>863</value>
		<shrsOrPrnAmt>
			<sshPrnamt>62288</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28220</Sole>
			<Shared>0</Shared>
			<None>34068</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73935X716</cusip>
		<value>180</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12993</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>12993</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73937B779</cusip>
		<value>467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11572</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8690</Sole>
			<Shared>0</Shared>
			<None>2882</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>5851</value>
		<shrsOrPrnAmt>
			<sshPrnamt>71090</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59059</Sole>
			<Shared>0</Shared>
			<None>12031</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>446</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5423</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4197</Sole>
			<Shared>0</Shared>
			<None>1226</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>1560</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21606</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18408</Sole>
			<Shared>0</Shared>
			<None>3198</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2912</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2553</Sole>
			<Shared>0</Shared>
			<None>359</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>3131</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61227</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52158</Sole>
			<Shared>0</Shared>
			<None>9069</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>338</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5550</Sole>
			<Shared>0</Shared>
			<None>1055</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74834L100</cusip>
		<value>223</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3117</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3117</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>489</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2381</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1196</Sole>
			<Shared>0</Shared>
			<None>1185</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>78463V107</cusip>
		<value>235</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1994</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1515</Sole>
			<Shared>0</Shared>
			<None>479</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>78463V107</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>35</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A300</cusip>
		<value>641</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6571</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3188</Sole>
			<Shared>0</Shared>
			<None>3383</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A300</cusip>
		<value>75</value>
		<shrsOrPrnAmt>
			<sshPrnamt>765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>765</Sole>
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			<None>0</None>
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		<value>1431</value>
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			<sshPrnamt>19379</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15156</Sole>
			<Shared>0</Shared>
			<None>4223</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
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		<value>366</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4963</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2143</Sole>
			<Shared>0</Shared>
			<None>2820</None>
		</votingAuthority>
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		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>3656</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17603</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14965</Sole>
			<Shared>0</Shared>
			<None>2638</None>
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	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>322</value>
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			<sshPrnamt>1550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1241</Sole>
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			<None>309</None>
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		<nameOfIssuer>SUNCOR ENERGY INC</nameOfIssuer>
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			<sshPrnamt>16700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16700</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>TARGET CORP</nameOfIssuer>
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			<sshPrnamt>37789</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31194</Sole>
			<Shared>0</Shared>
			<None>6595</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
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		<cusip>87612E106</cusip>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2527</Sole>
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			<None>633</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
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		<shrsOrPrnAmt>
			<sshPrnamt>17279</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14830</Sole>
			<Shared>0</Shared>
			<None>2449</None>
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	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1968</Sole>
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			<None>280</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>463</Sole>
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			<None>725</None>
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	<infoTable>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
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			<None>265</None>
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		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
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			<sshPrnamt>48485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41527</Sole>
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			<None>6958</None>
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	<infoTable>
		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4348</Sole>
			<Shared>0</Shared>
			<None>3425</None>
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		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19537</Sole>
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			<None>3318</None>
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	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2404</Sole>
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			<None>2201</None>
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		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<value>236</value>
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			<sshPrnamt>2741</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2059</Sole>
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			<None>682</None>
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		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<cusip>922908553</cusip>
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			<sshPrnamt>14902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5857</Sole>
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			<None>9045</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<cusip>922908553</cusip>
		<value>116</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<cusip>922908744</cusip>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
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		<cusip>922908744</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1341</Sole>
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			<None>2529</None>
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	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>VISA INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46274</Sole>
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			<None>9643</None>
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	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6627</Sole>
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			<None>2428</None>
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	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>3858</value>
		<shrsOrPrnAmt>
			<sshPrnamt>79774</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>64713</Sole>
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			<None>15061</None>
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	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>600</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>8277</Sole>
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			<None>4126</None>
		</votingAuthority>
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		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983793100</cusip>
		<value>1509</value>
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			<sshPrnamt>49139</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>42457</Sole>
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			<None>6682</None>
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	<infoTable>
		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>176</value>
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			<sshPrnamt>5746</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4840</Sole>
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			<None>906</None>
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		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>534</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5004</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4608</Sole>
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			<None>396</None>
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	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>40</Sole>
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			<None>0</None>
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		<nameOfIssuer>ALLERGAN PLC.COM USD0.0001</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G0177J108</cusip>
		<value>101</value>
		<shrsOrPrnAmt>
			<sshPrnamt>375</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>170</Sole>
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			<None>205</None>
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	<infoTable>
		<nameOfIssuer>ALLERGAN PLC.COM USD0.0001</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>G0177J108</cusip>
		<value>130</value>
		<shrsOrPrnAmt>
			<sshPrnamt>485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>485</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>2319</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37067</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31622</Sole>
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			<None>5445</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4394</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3711</Sole>
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			<None>683</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CHECK POINT SOFTWARE TECH</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>M22465104</cusip>
		<value>1255</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14352</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11487</Sole>
			<Shared>0</Shared>
			<None>2865</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CHECK POINT SOFTWARE TECH</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>M22465104</cusip>
		<value>189</value>
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			<sshPrnamt>2158</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1869</Sole>
			<Shared>0</Shared>
			<None>289</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>2110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26023</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22193</Sole>
			<Shared>0</Shared>
			<None>3830</None>
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	</infoTable>
	<infoTable>
		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3060</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2595</Sole>
			<Shared>0</Shared>
			<None>465</None>
		</votingAuthority>
	</infoTable>
</informationTable>
