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		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>5604</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>120078</Sole>
			<Shared>0</Shared>
			<None>17928</None>
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	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00206R102</cusip>
		<value>748</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18419</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>13964</Sole>
			<Shared>0</Shared>
			<None>4455</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>1827</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43195</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36683</Sole>
			<Shared>0</Shared>
			<None>6512</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>002824100</cusip>
		<value>203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4790</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4307</Sole>
			<Shared>0</Shared>
			<None>483</None>
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	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>172</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2735</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>339</Sole>
			<Shared>0</Shared>
			<None>2396</None>
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	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>39</value>
		<shrsOrPrnAmt>
			<sshPrnamt>625</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>625</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>1975</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2541</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2278</Sole>
			<Shared>0</Shared>
			<None>263</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K107</cusip>
		<value>215</value>
		<shrsOrPrnAmt>
			<sshPrnamt>276</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>254</Sole>
			<Shared>0</Shared>
			<None>22</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>4856</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6039</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5386</Sole>
			<Shared>0</Shared>
			<None>653</None>
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	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02079K305</cusip>
		<value>765</value>
		<shrsOrPrnAmt>
			<sshPrnamt>951</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>667</Sole>
			<Shared>0</Shared>
			<None>284</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>87</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1380</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1080</Sole>
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			<None>300</None>
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	<infoTable>
		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>02209S103</cusip>
		<value>202</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>2000</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>6856</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8188</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7258</Sole>
			<Shared>0</Shared>
			<None>930</None>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>023135106</cusip>
		<value>1083</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1293</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>881</Sole>
			<Shared>0</Shared>
			<None>412</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>2849</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17082</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14999</Sole>
			<Shared>0</Shared>
			<None>2083</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>031162100</cusip>
		<value>457</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2738</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1852</Sole>
			<Shared>0</Shared>
			<None>886</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>7384</value>
		<shrsOrPrnAmt>
			<sshPrnamt>65318</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>57088</Sole>
			<Shared>0</Shared>
			<None>8230</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>037833100</cusip>
		<value>1194</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10558</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7385</Sole>
			<Shared>0</Shared>
			<None>3173</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053611109</cusip>
		<value>2367</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30433</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26991</Sole>
			<Shared>0</Shared>
			<None>3442</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>053611109</cusip>
		<value>373</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4789</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2882</Sole>
			<Shared>0</Shared>
			<None>1907</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>6047</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41855</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36296</Sole>
			<Shared>0</Shared>
			<None>5559</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>084670702</cusip>
		<value>600</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4154</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3022</Sole>
			<Shared>0</Shared>
			<None>1132</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOMARIN PHARMACEUTICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09061G101</cusip>
		<value>2174</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23499</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20926</Sole>
			<Shared>0</Shared>
			<None>2573</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BIOMARIN PHARMACEUTICAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09061G101</cusip>
		<value>63</value>
		<shrsOrPrnAmt>
			<sshPrnamt>678</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>678</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BIOLARGO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>09065A100</cusip>
		<value>90</value>
		<shrsOrPrnAmt>
			<sshPrnamt>117838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>117838</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOEING CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2655</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2280</Sole>
			<Shared>0</Shared>
			<None>375</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOEING CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>097023105</cusip>
		<value>23</value>
		<shrsOrPrnAmt>
			<sshPrnamt>175</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>175</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>2923</value>
		<shrsOrPrnAmt>
			<sshPrnamt>122826</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>109967</Sole>
			<Shared>0</Shared>
			<None>12859</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>101137107</cusip>
		<value>274</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11515</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>10439</Sole>
			<Shared>0</Shared>
			<None>1076</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>4392</value>
		<shrsOrPrnAmt>
			<sshPrnamt>81452</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>72733</Sole>
			<Shared>0</Shared>
			<None>8719</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>110122108</cusip>
		<value>398</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7378</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5164</Sole>
			<Shared>0</Shared>
			<None>2214</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>618</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6947</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>245</Sole>
			<Shared>0</Shared>
			<None>6702</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>126650100</cusip>
		<value>8</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>90</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>3451</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38871</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34702</Sole>
			<Shared>0</Shared>
			<None>4169</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>149123101</cusip>
		<value>425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4787</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3248</Sole>
			<Shared>0</Shared>
			<None>1539</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>2709</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10036</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9005</Sole>
			<Shared>0</Shared>
			<None>1031</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>16119P108</cusip>
		<value>78</value>
		<shrsOrPrnAmt>
			<sshPrnamt>288</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>288</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>3699</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35939</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30703</Sole>
			<Shared>0</Shared>
			<None>5236</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>166764100</cusip>
		<value>704</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6838</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6445</Sole>
			<Shared>0</Shared>
			<None>393</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7339</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1518</Sole>
			<Shared>0</Shared>
			<None>5821</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>17275R102</cusip>
		<value>13</value>
		<shrsOrPrnAmt>
			<sshPrnamt>400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>3167</value>
		<shrsOrPrnAmt>
			<sshPrnamt>67059</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59552</Sole>
			<Shared>0</Shared>
			<None>7507</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>172967424</cusip>
		<value>273</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5777</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5228</Sole>
			<Shared>0</Shared>
			<None>549</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>18383M381</cusip>
		<value>253</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10004</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10004</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GUGGENHEIM</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>18383M399</cusip>
		<value>280</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10803</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10803</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>51</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1200</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>191216100</cusip>
		<value>1182</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>3537</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53311</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>47356</Sole>
			<Shared>0</Shared>
			<None>5955</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20030N101</cusip>
		<value>376</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5669</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5034</Sole>
			<Shared>0</Shared>
			<None>635</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>2392</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55027</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48827</Sole>
			<Shared>0</Shared>
			<None>6200</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>20825C104</cusip>
		<value>312</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7177</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5784</Sole>
			<Shared>0</Shared>
			<None>1393</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CORELOGIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>21871D103</cusip>
		<value>1351</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34438</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34438</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>2384</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25669</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22069</Sole>
			<Shared>0</Shared>
			<None>3600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALT DISNEY COMPANY/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>254687106</cusip>
		<value>579</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3459</Sole>
			<Shared>0</Shared>
			<None>2773</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DOW CHEMICAL CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>260543103</cusip>
		<value>714</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13782</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12447</Sole>
			<Shared>0</Shared>
			<None>1335</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>2921</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36491</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32039</Sole>
			<Shared>0</Shared>
			<None>4452</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26441C204</cusip>
		<value>465</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5812</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5373</Sole>
			<Shared>0</Shared>
			<None>439</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>3436</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35529</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31470</Sole>
			<Shared>0</Shared>
			<None>4059</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>26875P101</cusip>
		<value>401</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3740</Sole>
			<Shared>0</Shared>
			<None>405</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>3184</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44068</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39337</Sole>
			<Shared>0</Shared>
			<None>4731</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDISON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>281020107</cusip>
		<value>305</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4223</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3714</Sole>
			<Shared>0</Shared>
			<None>509</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>5632</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64533</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52212</Sole>
			<Shared>0</Shared>
			<None>12321</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30231G102</cusip>
		<value>854</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9781</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>9106</Sole>
			<Shared>0</Shared>
			<None>675</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>3691</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28775</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25580</Sole>
			<Shared>0</Shared>
			<None>3195</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FACEBOOK INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>30303M102</cusip>
		<value>507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3953</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2608</Sole>
			<Shared>0</Shared>
			<None>1345</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FAIRFAX FINANCIAL HLDGS</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>303901102</cusip>
		<value>557</value>
		<shrsOrPrnAmt>
			<sshPrnamt>950</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>950</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST AMERICAN FINANCIAL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>31847R102</cusip>
		<value>1298</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33040</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>2497</value>
		<shrsOrPrnAmt>
			<sshPrnamt>75476</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>66947</Sole>
			<Shared>0</Shared>
			<None>8529</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>337932107</cusip>
		<value>282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8538</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7599</Sole>
			<Shared>0</Shared>
			<None>939</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>2600</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87790</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>73653</Sole>
			<Shared>0</Shared>
			<None>14137</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>369604103</cusip>
		<value>753</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25416</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>21817</Sole>
			<Shared>0</Shared>
			<None>3599</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>372460105</cusip>
		<value>4943</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49213</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>49213</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>45</value>
		<shrsOrPrnAmt>
			<sshPrnamt>565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>380</Sole>
			<Shared>0</Shared>
			<None>185</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>375558103</cusip>
		<value>214</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2711</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2392</Sole>
			<Shared>0</Shared>
			<None>319</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>3372</value>
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			<sshPrnamt>20910</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18703</Sole>
			<Shared>0</Shared>
			<None>2207</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>38141G104</cusip>
		<value>309</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1915</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1731</Sole>
			<Shared>0</Shared>
			<None>184</None>
		</votingAuthority>
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		<nameOfIssuer>HINES REAL ESTATE INVESTMENT</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>433264108</cusip>
		<value>76</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13390</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13390</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>177</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1379</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>575</Sole>
			<Shared>0</Shared>
			<None>804</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>437076102</cusip>
		<value>35</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>3507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30082</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26823</Sole>
			<Shared>0</Shared>
			<None>3259</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HONEYWELL</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>438516106</cusip>
		<value>507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4345</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3496</Sole>
			<Shared>0</Shared>
			<None>849</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5390</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5390</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>458140100</cusip>
		<value>122</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>
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	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>4163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26209</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22745</Sole>
			<Shared>0</Shared>
			<None>3464</None>
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	<infoTable>
		<nameOfIssuer>INTL BUSINESS MACHINES CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>459200101</cusip>
		<value>546</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3439</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2576</Sole>
			<Shared>0</Shared>
			<None>863</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
		<value>11351</value>
		<shrsOrPrnAmt>
			<sshPrnamt>132466</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>74832</Sole>
			<Shared>0</Shared>
			<None>57634</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287168</cusip>
		<value>678</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7907</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7907</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>9868</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87779</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>56047</Sole>
			<Shared>0</Shared>
			<None>31732</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287226</cusip>
		<value>120</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1066</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1066</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>6142</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49865</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30286</Sole>
			<Shared>0</Shared>
			<None>19579</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287242</cusip>
		<value>78</value>
		<shrsOrPrnAmt>
			<sshPrnamt>636</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>636</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287408</cusip>
		<value>345</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3631</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2760</Sole>
			<Shared>0</Shared>
			<None>871</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287432</cusip>
		<value>9143</value>
		<shrsOrPrnAmt>
			<sshPrnamt>66487</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>740</Sole>
			<Shared>0</Shared>
			<None>65747</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287440</cusip>
		<value>3756</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33568</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21846</Sole>
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			<None>11722</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464287440</cusip>
		<value>150</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1343</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287465</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3567</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>367</Sole>
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			<None>3200</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464287499</cusip>
		<value>332</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>137</Sole>
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			<None>1765</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288406</cusip>
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		<shrsOrPrnAmt>
			<sshPrnamt>12260</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6668</Sole>
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			<None>5592</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288406</cusip>
		<value>87</value>
		<shrsOrPrnAmt>
			<sshPrnamt>646</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>646</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288513</cusip>
		<value>774</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8875</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5602</Sole>
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			<None>3273</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>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464288588</cusip>
		<value>243</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2206</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1669</Sole>
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			<None>537</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288877</cusip>
		<value>3311</value>
		<shrsOrPrnAmt>
			<sshPrnamt>71725</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40683</Sole>
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			<None>31042</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>464288877</cusip>
		<value>114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2461</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2461</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ISHARES</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>464289511</cusip>
		<value>9015</value>
		<shrsOrPrnAmt>
			<sshPrnamt>142500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>142500</None>
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	<infoTable>
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		<shrsOrPrnAmt>
			<sshPrnamt>67196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59518</Sole>
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			<None>7678</None>
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	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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			<sshPrnamt>15545</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>14602</Sole>
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			<None>943</None>
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	<infoTable>
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			<sshPrnamt>56398</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48329</Sole>
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			<None>8069</None>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5151</Sole>
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			<None>1576</None>
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	<infoTable>
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		<shrsOrPrnAmt>
			<sshPrnamt>42431</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36398</Sole>
			<Shared>0</Shared>
			<None>6033</None>
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	<infoTable>
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		<titleOfClass>COMMON STOCK</titleOfClass>
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			<sshPrnamt>3521</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3158</Sole>
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			<None>363</None>
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	<infoTable>
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		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>38229</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33382</Sole>
			<Shared>0</Shared>
			<None>4847</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>KRAFT HEINZ CO COM</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>500754106</cusip>
		<value>497</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5554</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4080</Sole>
			<Shared>0</Shared>
			<None>1474</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOWE'S COS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>54</value>
		<shrsOrPrnAmt>
			<sshPrnamt>743</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>598</Sole>
			<Shared>0</Shared>
			<None>145</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOWE'S COS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>548661107</cusip>
		<value>364</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5041</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2083</Sole>
			<Shared>0</Shared>
			<None>2958</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>565849106</cusip>
		<value>2684</value>
		<shrsOrPrnAmt>
			<sshPrnamt>169785</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>150572</Sole>
			<Shared>0</Shared>
			<None>19213</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>565849106</cusip>
		<value>282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17864</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>15600</Sole>
			<Shared>0</Shared>
			<None>2264</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALD'S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>4593</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39811</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35389</Sole>
			<Shared>0</Shared>
			<None>4422</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MCDONALD'S CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>580135101</cusip>
		<value>471</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4082</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3595</Sole>
			<Shared>0</Shared>
			<None>487</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>5634</value>
		<shrsOrPrnAmt>
			<sshPrnamt>97807</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>83744</Sole>
			<Shared>0</Shared>
			<None>14063</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>594918104</cusip>
		<value>1013</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17581</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>15370</Sole>
			<Shared>0</Shared>
			<None>2211</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>1911</value>
		<shrsOrPrnAmt>
			<sshPrnamt>107505</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>95826</Sole>
			<Shared>0</Shared>
			<None>11679</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>595112103</cusip>
		<value>54</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3030</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3030</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61945C103</cusip>
		<value>2841</value>
		<shrsOrPrnAmt>
			<sshPrnamt>116141</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>102613</Sole>
			<Shared>0</Shared>
			<None>13528</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MOSAIC CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>61945C103</cusip>
		<value>306</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12511</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>10987</Sole>
			<Shared>0</Shared>
			<None>1524</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVARTIS AG-ADR</nameOfIssuer>
		<titleOfClass>FOREIGN STOCK</titleOfClass>
		<cusip>66987V109</cusip>
		<value>346</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>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>2364</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60186</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52017</Sole>
			<Shared>0</Shared>
			<None>8169</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>68389X105</cusip>
		<value>330</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8396</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>7402</Sole>
			<Shared>0</Shared>
			<None>994</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>6112</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56193</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>45639</Sole>
			<Shared>0</Shared>
			<None>10554</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>713448108</cusip>
		<value>826</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7596</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5472</Sole>
			<Shared>0</Shared>
			<None>2124</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>5581</value>
		<shrsOrPrnAmt>
			<sshPrnamt>164785</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>148356</Sole>
			<Shared>0</Shared>
			<None>16429</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>717081103</cusip>
		<value>835</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24655</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>20384</Sole>
			<Shared>0</Shared>
			<None>4271</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>718172109</cusip>
		<value>432</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>117</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>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73935X682</cusip>
		<value>656</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>1747</value>
		<shrsOrPrnAmt>
			<sshPrnamt>118626</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>66365</Sole>
			<Shared>0</Shared>
			<None>52261</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73935X716</cusip>
		<value>191</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12985</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>12985</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73937B779</cusip>
		<value>477</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11496</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8614</Sole>
			<Shared>0</Shared>
			<None>2882</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>POWERSHARES</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>73937B829</cusip>
		<value>265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8069</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6056</Sole>
			<Shared>0</Shared>
			<None>2013</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>5825</value>
		<shrsOrPrnAmt>
			<sshPrnamt>64902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>56210</Sole>
			<Shared>0</Shared>
			<None>8692</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PROCTER &amp; GAMBLE CO/THE</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>742718109</cusip>
		<value>658</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7327</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5536</Sole>
			<Shared>0</Shared>
			<None>1791</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>2450</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30001</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26639</Sole>
			<Shared>0</Shared>
			<None>3362</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>744320102</cusip>
		<value>215</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2636</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2398</Sole>
			<Shared>0</Shared>
			<None>238</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>3871</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>49935</Sole>
			<Shared>0</Shared>
			<None>6574</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>747525103</cusip>
		<value>439</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6412</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5696</Sole>
			<Shared>0</Shared>
			<None>716</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>74834L100</cusip>
		<value>368</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4347</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4347</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>513</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2372</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1852</Sole>
			<Shared>0</Shared>
			<None>520</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>COMMODITIES ETF</titleOfClass>
		<cusip>78463V107</cusip>
		<value>332</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2641</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>493</Sole>
			<Shared>0</Shared>
			<None>2148</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>
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		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A300</cusip>
		<value>1732</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16153</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8896</Sole>
			<Shared>0</Shared>
			<None>7257</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SPDR</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>78464A300</cusip>
		<value>88</value>
		<shrsOrPrnAmt>
			<sshPrnamt>817</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>817</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79466L302</cusip>
		<value>29</value>
		<shrsOrPrnAmt>
			<sshPrnamt>413</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>113</Sole>
			<Shared>0</Shared>
			<None>300</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>79466L302</cusip>
		<value>275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3853</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1263</Sole>
			<Shared>0</Shared>
			<None>2590</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>3359</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14450</Sole>
			<Shared>0</Shared>
			<None>1775</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>828806109</cusip>
		<value>379</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1829</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1624</Sole>
			<Shared>0</Shared>
			<None>205</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>303</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4300</Sole>
			<Shared>0</Shared>
			<None>1305</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>855244109</cusip>
		<value>32</value>
		<shrsOrPrnAmt>
			<sshPrnamt>600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>600</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>2369</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34487</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30192</Sole>
			<Shared>0</Shared>
			<None>4295</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>87612E106</cusip>
		<value>248</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3607</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>3184</Sole>
			<Shared>0</Shared>
			<None>423</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>1530</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9617</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8503</Sole>
			<Shared>0</Shared>
			<None>1114</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>883556102</cusip>
		<value>315</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1981</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1793</Sole>
			<Shared>0</Shared>
			<None>188</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>3M CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>209</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1188</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>463</Sole>
			<Shared>0</Shared>
			<None>725</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>3M CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>88579Y101</cusip>
		<value>100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>565</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>300</Sole>
			<Shared>0</Shared>
			<None>265</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TWITTER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90184L102</cusip>
		<value>1935</value>
		<shrsOrPrnAmt>
			<sshPrnamt>83943</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>74816</Sole>
			<Shared>0</Shared>
			<None>9127</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TWITTER INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>90184L102</cusip>
		<value>50</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2159</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2159</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902494103</cusip>
		<value>3352</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44889</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39894</Sole>
			<Shared>0</Shared>
			<None>4995</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TYSON FOODS INC-CL A</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>902494103</cusip>
		<value>563</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7544</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4390</Sole>
			<Shared>0</Shared>
			<None>3154</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911363109</cusip>
		<value>1829</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20759</Sole>
			<Shared>0</Shared>
			<None>2542</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>911363109</cusip>
		<value>55</value>
		<shrsOrPrnAmt>
			<sshPrnamt>705</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>705</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
		<value>1911</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13649</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11961</Sole>
			<Shared>0</Shared>
			<None>1688</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>91324P102</cusip>
		<value>574</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4098</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2024</Sole>
			<Shared>0</Shared>
			<None>2074</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INV TRUST </titleOfClass>
		<cusip>921937819</cusip>
		<value>240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2741</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2059</Sole>
			<Shared>0</Shared>
			<None>682</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>2025</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23350</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12811</Sole>
			<Shared>0</Shared>
			<None>10539</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>ALTERNATIVE ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>116</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1341</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>1341</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908744</cusip>
		<value>7623</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87626</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50063</Sole>
			<Shared>0</Shared>
			<None>37563</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VANGUARD</nameOfIssuer>
		<titleOfClass>UNIT INVESTMENT</titleOfClass>
		<cusip>922908744</cusip>
		<value>455</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5225</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<value>201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3870</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1341</Sole>
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			<None>2529</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
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		<shrsOrPrnAmt>
			<sshPrnamt>878</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>878</Sole>
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			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>4244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>51320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>45172</Sole>
			<Shared>0</Shared>
			<None>6148</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VISA INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>92826C839</cusip>
		<value>655</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7917</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5801</Sole>
			<Shared>0</Shared>
			<None>2116</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>2539</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57339</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>47204</Sole>
			<Shared>0</Shared>
			<None>10135</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>949746101</cusip>
		<value>399</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>6736</Sole>
			<Shared>0</Shared>
			<None>2269</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WYNN RESORTS LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983134107</cusip>
		<value>1688</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17323</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15351</Sole>
			<Shared>0</Shared>
			<None>1972</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WYNN RESORTS LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983134107</cusip>
		<value>51</value>
		<shrsOrPrnAmt>
			<sshPrnamt>521</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>521</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983793100</cusip>
		<value>2641</value>
		<shrsOrPrnAmt>
			<sshPrnamt>72030</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>64110</Sole>
			<Shared>0</Shared>
			<None>7920</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>XPO LOGISTICS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>983793100</cusip>
		<value>275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>5594</Sole>
			<Shared>0</Shared>
			<None>1910</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>651</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5004</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4608</Sole>
			<Shared>0</Shared>
			<None>396</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ZIMMER HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>98956P102</cusip>
		<value>5</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>40</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>3193</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48598</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43244</Sole>
			<Shared>0</Shared>
			<None>5354</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>G29183103</cusip>
		<value>350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5326</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>4002</Sole>
			<Shared>0</Shared>
			<None>1324</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>2891</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23005</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20299</Sole>
			<Shared>0</Shared>
			<None>2706</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LTD</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>404</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3218</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2818</Sole>
			<Shared>0</Shared>
			<None>400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>1417</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13896</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12316</Sole>
			<Shared>0</Shared>
			<None>1580</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
		<titleOfClass>COMMON STOCK</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2536</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<votingAuthority>
			<Sole>2224</Sole>
			<Shared>0</Shared>
			<None>312</None>
		</votingAuthority>
	</infoTable>
</informationTable>
